Cadillac XTS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac XTS are $1,282 a year for full coverage insurance. Comprehensive insurance costs on average $242 a year, collision costs $418, and liability costs $464. A policy with only liability insurance costs as little as $514 a year, with a high-risk policy costing $2,782 or more. Teens pay the most at $4,942 a year or more.
Average premium for full coverage: $1,282
Premium estimates by type of coverage:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and XTS trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac XTS go from as low as $514 for just the minimum liability insurance to a high of $2,782 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why it is important to compare rates based on a specific location and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates estimated Cadillac XTS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $747
- Drivers who choose higher $1,000 deductibles will pay around $1,132 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,282
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $290 every year
- Higher-risk drivers with serious driving violations could pay upwards of $2,782 or more
- An auto insurance policy for full coverage for a teen driver may cost $4,942 a year
Car insurance prices for a Cadillac XTS also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $4,900 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could save up to $440 every year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac XTS | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac XTS | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac XTS | $250 | $446 | $460 | $1,314 |
| 2016 Cadillac XTS | $242 | $418 | $464 | $1,282 |
| 2015 Cadillac XTS | $236 | $390 | $474 | $1,258 |
| 2014 Cadillac XTS | $218 | $362 | $474 | $1,212 |
| 2013 Cadillac XTS | $212 | $328 | $478 | $1,176 |
Rates are averaged for all Cadillac XTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Cadillac XTS Insurance
Finding better rates on car insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a brief summary of the concepts that were touched on in this article.
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,500 more each year to buy Cadillac XTS insurance
- Drivers age 20 and younger are expensive to insure, with premiums being up to $412 per month if full coverage is included
- It is possible to save as much as $150 per year simply by quoting early and online
- Increasing policy deductibles can save around $450 each year
- It is possible to save as much as $150 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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