Cadillac XTS Insurance Rates

Estimated insurance prices for a Cadillac XTS are $1,314 every 12 months for full coverage. Comprehensive insurance costs on average $250 each year, collision insurance costs $446, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,852 or more. 16-year-old drivers pay the most at up to $5,046 a year.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and XTS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below shows average Cadillac XTS insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $762
• Using higher $1,000 deductibles will save around $158 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,314
• Buying low deductibles for physical damage coverage costs an extra $308 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,852
• An auto insurance policy to insure a 16-year-old driver may cost $5,046 or more

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Auto insurance prices for a Cadillac XTS also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your XTS.

Opting for high physical damage deductibles could cut prices by as much as $470 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 44% to 136% more than the average rate. View High Risk Driver Rates

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 $870 a year in states like Idaho, Maine, and Iowa, or at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for More Affordable Cadillac XTS Insurance

Finding better rates on insurance for a Cadillac XTS requires being a good driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

The following list is a summary of the data covered in the charts and tables above.

• Insureds who require an increased level of liability coverage will pay around $510 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers can save as much as $160 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $475 each year
• Drivers age 16 to 20 are charged the highest prices, as much as $421 per month if comprehensive and collision insurance is included