diff --git a/litellm/litellm_core_utils/llm_cost_calc/utils.py b/litellm/litellm_core_utils/llm_cost_calc/utils.py
index 3f533de4f44..a082af4b05e 100644
--- a/litellm/litellm_core_utils/llm_cost_calc/utils.py
+++ b/litellm/litellm_core_utils/llm_cost_calc/utils.py
@@ -889,11 +889,22 @@ def generic_cost_per_token(
     total_details: Final = text_tokens + cache_hit + audio_tokens + cache_creation + image_tokens + video_tokens
     has_double_counting: Final = (cache_hit > 0 or cache_creation > 0) and total_details > usage.prompt_tokens
 
-    if (text_tokens == 0 and prompt_tokens_details["image_count"] == 0) or has_double_counting:
-        text_tokens = usage.prompt_tokens - cache_hit - audio_tokens - cache_creation - image_tokens - video_tokens
+    if has_double_counting:
+        # cached and per-modality counts are both subsets of prompt_tokens and may overlap, so a
+        # modality can only bill what the cache did not already cover or the overlap is billed twice
+        uncached_budget: Final = max(usage.prompt_tokens - cache_hit - cache_creation, 0)
+        billable_audio: Final = min(audio_tokens, uncached_budget)
+        billable_image: Final = min(image_tokens, uncached_budget - billable_audio)
+        billable_video: Final = min(video_tokens, uncached_budget - billable_audio - billable_image)
+        prompt_tokens_details["audio_tokens"] = billable_audio
+        prompt_tokens_details["image_tokens"] = billable_image
+        prompt_tokens_details["video_tokens"] = billable_video
+        prompt_tokens_details["text_tokens"] = uncached_budget - billable_audio - billable_image - billable_video
+    elif text_tokens == 0 and prompt_tokens_details["image_count"] == 0:
         # Clamp to zero: inconsistent streaming usage
-        text_tokens = max(text_tokens, 0)
-        prompt_tokens_details["text_tokens"] = text_tokens
+        prompt_tokens_details["text_tokens"] = max(
+            usage.prompt_tokens - cache_hit - audio_tokens - cache_creation - image_tokens - video_tokens, 0
+        )
 
     (
         prompt_base_cost,
diff --git a/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py b/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py
index 7c23cd038a4..ce90719789a 100644
--- a/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py
+++ b/tests/test_litellm/litellm_core_utils/llm_cost_calc/test_llm_cost_calc_utils.py
@@ -1552,6 +1552,76 @@ def test_string_cost_values():
     assert round(completion_cost, 12) == round(expected_completion_cost, 12)
 
 
+def test_generic_cost_per_token_overlapping_cached_and_image_tokens():
+    """Some providers report cached_tokens and image_tokens as overlapping subsets of
+    prompt_tokens. Billing each in full charged the overlap twice, once at the cache rate
+    and again at the input rate."""
+    model = "litellm-test-overlapping-cached-image"
+    litellm.register_model(
+        {
+            model: {
+                "litellm_provider": "openai",
+                "mode": "chat",
+                "input_cost_per_token": 1e-6,
+                "cache_read_input_token_cost": 1e-7,
+                "output_cost_per_token": 2e-6,
+            }
+        }
+    )
+    usage = Usage(
+        prompt_tokens=100,
+        completion_tokens=10,
+        total_tokens=110,
+        prompt_tokens_details=PromptTokensDetailsWrapper(
+            text_tokens=None, cached_tokens=90, image_tokens=80
+        ),
+    )
+
+    prompt_cost, completion_cost = generic_cost_per_token(
+        model=model, usage=usage, custom_llm_provider="openai"
+    )
+
+    # 90 cached at 1e-7, the remaining 10 uncached tokens once at 1e-6
+    assert prompt_cost == pytest.approx(90 * 1e-7 + 10 * 1e-6)
+    assert completion_cost == pytest.approx(10 * 2e-6)
+
+
+def test_generic_cost_per_token_warm_prefix_cache_spanning_text_and_image_tokens():
+    """xAI reports text_tokens + image_tokens = prompt_tokens with cached_tokens overlapping
+    both, so a warm prefix cache covering the whole image exceeds the text-only count.
+    Observed live on grok-4.6 (issue #37281): the image tokens were billed a second time at
+    the full input rate on top of the cache-read bucket, 0.003500 in vs the provider's own
+    0.001274 bill."""
+    model = "litellm-test-warm-prefix-cache-overlap"
+    litellm.register_model(
+        {
+            model: {
+                "litellm_provider": "openai",
+                "mode": "chat",
+                "input_cost_per_token": 2e-6,
+                "cache_read_input_token_cost": 5e-7,
+                "output_cost_per_token": 6e-6,
+            }
+        }
+    )
+    usage = Usage(
+        prompt_tokens=2461,
+        completion_tokens=440,
+        total_tokens=2901,
+        prompt_tokens_details=PromptTokensDetailsWrapper(
+            text_tokens=1319, cached_tokens=2432, image_tokens=1142
+        ),
+    )
+
+    prompt_cost, completion_cost = generic_cost_per_token(
+        model=model, usage=usage, custom_llm_provider="openai"
+    )
+
+    # 2432 cached at the cache-read rate, the 29 uncached tokens once at the input rate
+    assert prompt_cost == pytest.approx(2432 * 5e-7 + 29 * 2e-6)
+    assert completion_cost == pytest.approx(440 * 6e-6)
+
+
 def test_calculate_cost_component_with_string_values():
     """Test the calculate_cost_component function directly with string cost values."""
     from litellm.litellm_core_utils.llm_cost_calc.utils import calculate_cost_component