Cadillac XTS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance prices for a Cadillac XTS are $1,282 every 12 months for full coverage insurance. Comprehensive costs on average $242 a year, collision costs $418, and liability costs $464. A liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,782. Teens cost the most to insure at $4,942 a year or more.
Average premium for full coverage: $1,282
Policy rates by type of insurance:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and XTS trim levels.
Price Range Variability
Using a middle-aged driver as an example, Cadillac XTS insurance rates go from the cheapest price of $514 for just liability coverage to a high of $2,782 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects car insurance rates.
The examples above illustrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on 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.
Detailed 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 price for a good driver age 40 with $500 deductibles is $1,282
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,572
- Drivers with serious driving violations could pay upwards of $2,782 or more
- Policy cost to insure a 16-year-old driver may cost $4,942 a year
Car insurance rates for a Cadillac XTS also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your XTS.
Choosing higher comprehensive and collision insurance deductibles could save up to $440 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 130% more than the average policy. View High Risk Driver Rates
Your home state 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company calculates rates differently, so rate quotes will be varied.
| 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 Shop for the Cheapest Cadillac XTS Insurance
Finding cheaper rates on insurance for a Cadillac XTS not only requires avoiding accidents and claims, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies, and also from several local insurance agents.
The points below are a recap of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk that have major violations or accidents pay on average $1,500 more each year to insure a Cadillac XTS
- Drivers under the age of 20 are expensive to insure, possibly costing $412 each month if the policy includes full coverage
- It is possible to save as much as $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $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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