Cadillac XTS Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac XTS are $1,314 annually for full coverage insurance. Comprehensive costs on average $250, collision insurance costs $446, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,852. Teenage drivers receive the highest rates at up to $5,046 a year.
Average premium for full coverage: $1,314
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different XTS trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $510 for basic liability insurance to a much higher rate of $2,852 for high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below illustrates average Cadillac XTS insurance rates for different risk profiles and scenarios.
- The best discount rate is $762
- Drivers who choose higher $1,000 deductibles will pay around $158 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,314
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,622
- Drivers who are prone to accidents and violations could pay upwards of $2,852
- The cost with full coverage for a 16-year-old driver with full coverage may cost $5,046 a year
Car insurance rates for a Cadillac XTS can also vary considerably based on the trim level of your XTS, your risk profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $470 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,780 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$126 | -9.6% |
| Alaska | $1,008 | -$306 | -23.3% |
| Arizona | $1,092 | -$222 | -16.9% |
| Arkansas | $1,314 | -$0 | 0.0% |
| California | $1,498 | $184 | 14.0% |
| Colorado | $1,258 | -$56 | -4.3% |
| Connecticut | $1,352 | $38 | 2.9% |
| Delaware | $1,488 | $174 | 13.2% |
| Florida | $1,644 | $330 | 25.1% |
| Georgia | $1,214 | -$100 | -7.6% |
| Hawaii | $944 | -$370 | -28.2% |
| Idaho | $890 | -$424 | -32.3% |
| Illinois | $978 | -$336 | -25.6% |
| Indiana | $990 | -$324 | -24.7% |
| Iowa | $888 | -$426 | -32.4% |
| Kansas | $1,250 | -$64 | -4.9% |
| Kentucky | $1,794 | $480 | 36.5% |
| Louisiana | $1,946 | $632 | 48.1% |
| Maine | $810 | -$504 | -38.4% |
| Maryland | $1,086 | -$228 | -17.4% |
| Massachusetts | $1,052 | -$262 | -19.9% |
| Michigan | $2,284 | $970 | 73.8% |
| Minnesota | $1,102 | -$212 | -16.1% |
| Mississippi | $1,574 | $260 | 19.8% |
| Missouri | $1,166 | -$148 | -11.3% |
| Montana | $1,412 | $98 | 7.5% |
| Nebraska | $1,038 | -$276 | -21.0% |
| Nevada | $1,576 | $262 | 19.9% |
| New Hampshire | $948 | -$366 | -27.9% |
| New Jersey | $1,470 | $156 | 11.9% |
| New Mexico | $1,164 | -$150 | -11.4% |
| New York | $1,386 | $72 | 5.5% |
| North Carolina | $756 | -$558 | -42.5% |
| North Dakota | $1,076 | -$238 | -18.1% |
| Ohio | $910 | -$404 | -30.7% |
| Oklahoma | $1,352 | $38 | 2.9% |
| Oregon | $1,204 | -$110 | -8.4% |
| Pennsylvania | $1,254 | -$60 | -4.6% |
| Rhode Island | $1,754 | $440 | 33.5% |
| South Carolina | $1,192 | -$122 | -9.3% |
| South Dakota | $1,110 | -$204 | -15.5% |
| Tennessee | $1,152 | -$162 | -12.3% |
| Texas | $1,584 | $270 | 20.5% |
| Utah | $974 | -$340 | -25.9% |
| Vermont | $900 | -$414 | -31.5% |
| Virginia | $788 | -$526 | -40.0% |
| Washington | $1,018 | -$296 | -22.5% |
| West Virginia | $1,204 | -$110 | -8.4% |
| Wisconsin | $910 | -$404 | -30.7% |
| Wyoming | $1,172 | -$142 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac XTS | $304 | $618 | $442 | $1,522 |
| 2019 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2018 Cadillac XTS | $280 | $540 | $456 | $1,434 |
| 2017 Cadillac XTS | $268 | $484 | $460 | $1,370 |
| 2016 Cadillac XTS | $250 | $446 | $460 | $1,314 |
| 2015 Cadillac XTS | $242 | $418 | $464 | $1,282 |
| 2014 Cadillac XTS | $236 | $390 | $474 | $1,258 |
| 2013 Cadillac XTS | $218 | $362 | $474 | $1,212 |
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 Buy the Cheapest Cadillac XTS Insurance
Saving money on insurance for a Cadillac XTS not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a recap of the material that was covered above.
- Insureds who require higher liability limits will pay an extra $510 annually to go from a minimum limit to higher 250/500 limits
- Teenagers are expensive to insure, costing up to $421 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents may pay on average $1,540 more each year for car insurance
- Increasing deductibles could save up to $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,046 |
| 20 | $3,040 |
| 30 | $1,360 |
| 40 | $1,314 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,314 |
| 50/100 | $1,406 |
| 100/300 | $1,521 |
| 250/500 | $1,820 |
| 100 CSL | $1,452 |
| 300 CSL | $1,705 |
| 500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,176 |
| 20 | $4,844 |
| 30 | $2,904 |
| 40 | $2,852 |
| 50 | $2,724 |
| 60 | $2,700 |
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 | $69 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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