Cadillac XTS Insurance Rates

Estimated insurance rates for a Cadillac XTS are $1,282 a year for full coverage. Comprehensive insurance costs approximately $242, collision insurance costs $418, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs $2,782 or more. Teenage drivers pay the most at up to $4,942 a year.

Average premium for full coverage: $1,282

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all XTS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

These rate differences show why everyone should compare prices using their specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $747
• Using higher $1,000 deductibles will save $150 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,282
• Using pricier low deductibles for physical damage coverage will cost an additional $290 every year
• Drivers who are prone to accidents and violations could pay around $2,782
• An auto insurance policy that insures a teen driver for full coverage can cost $4,942 or more

View Chart as Image

Insurance prices for a Cadillac XTS also have a wide range based on the model of your XTS, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Cadillac XTS insurance for high-risk drivers can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $440 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Cadillac XTS Insurance

Finding better rates on car insurance requires being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a brief summary of the ideas that were touched on above.

• Youthful drivers are expensive to insure, as much as $412 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,500 more per year than a low-risk driver
• Increasing policy deductibles can save approximately $450 each year
• Drivers can save around $150 per year just by quoting online well ahead of the renewal date