Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Comprehensive $242
Collision $418
Liability $464

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and XTS trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $514 for just liability coverage to a high of $2,782 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,282
High Risk $2,782

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These examples illustrate why it is important to compare rates quotes for a specific zip code, rather than relying 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.

Detailed Rate Analysis

The chart below illustrates average Cadillac XTS insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $747
  • Raising to $1,000 deductibles will save about $1,132 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,282
  • Using low $100 deductibles bumps up the cost to $1,572
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,782
  • The cost that insures a teen driver can be $4,942

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing Cadillac XTS insurance rates range from $747 to $4,942 for full coverage

Car insurance rates for a Cadillac XTS can also vary considerably based on the trim level of your XTS, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Where you live also has a big influence on Cadillac XTS insurance rates. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

Cadillac XTS Insurance Rates by State
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%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $440 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Cadillac XTS Insurance Rates by Model Year
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 Cheaper Cadillac XTS Insurance

Saving money on Cadillac XTS insurance consists of avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,500 more every year to insure a Cadillac XTS
  • It is possible to save up to $150 per year just by quoting early and online
  • Increasing deductibles can save approximately $450 each year
  • Drivers who may need increased liability limits will pay an extra $510 annually to raise from a minimum limit to the 250/500 level

Rates by Driver Age

Cadillac XTS Insurance 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

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,282
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
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

Cadillac XTS Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $747

Discounts are estimated and may not be available from every company or in every state.

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