Cadillac XTS Insurance Rates

Average insurance rates for a Cadillac XTS are $1,282 a year for full coverage. Comprehensive costs approximately $242 a year, collision insurance costs $418, and liability costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs around $2,782. Teens receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates by individual coverage type:

Prices include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and XTS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

These examples show why it is important to compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows average Cadillac XTS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save $1,132 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,282
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,572
• High-risk insureds with serious driving violations could pay around $2,782
• The cost for full coverage for a 16-year-old driver can cost $4,942 or more

View Chart as Image

Insurance rates for a Cadillac XTS can also vary considerably based on your driver profile, the trim level of your XTS, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you live has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 42% to 130% more than the average policy. View High Risk Driver Rates

How to Find the Right Cadillac XTS Insurance

Saving money on insurance for a Cadillac XTS requires being a safe and courteous driver, maintaining good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting rates from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a quick rundown of the material that was presented in the illustrations above.

• Insureds who purchase higher levels of liability will pay approximately $510 each year to increase from a minimum limit to 250/500 limits
• Teenage drivers are expensive to insure, costing as high as $412 per month for full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,500 more per year for auto insurance
• Increasing deductibles can save around $450 each year