Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Cadillac XTS are $1,314 every 12 months for full coverage. Comprehensive insurance costs around $250 each year, collision costs $446, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,852 or more. Teenage drivers cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Comprehensive $250
Collision $446
Liability $460

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and XTS models.

Price Range Variability

For an average driver, Cadillac XTS insurance rates go from the cheapest price of $510 for minimum levels of liability insurance to a high rate of $2,852 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

The examples above show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using 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.

Additional Rate Details

The chart below shows estimated Cadillac XTS insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $762
  • Raising to $1,000 deductibles will save about $158 a year
  • The average price for a good driver age 40 using $500 deductibles is $1,314
  • Using low deductibles costs an extra $308 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $2,852 or more
  • Policy cost to insure a teen driver can be $5,046

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing full coverage Cadillac XTS insurance prices range from $762 to $5,046

Insurance rates for a Cadillac XTS also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $470 every year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Cadillac XTS insurance prices. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

Cadillac XTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,188 -$126 -9.6%
Alaska $1,008 -$306 -23.3%
Arizona $1,092 -$222 -16.9%
Arkansas $1,314 -$0 0.0%
California $1,498 $184 14.0%
Colorado $1,258 -$56 -4.3%
Connecticut $1,352 $38 2.9%
Delaware $1,488 $174 13.2%
Florida $1,644 $330 25.1%
Georgia $1,214 -$100 -7.6%
Hawaii $944 -$370 -28.2%
Idaho $890 -$424 -32.3%
Illinois $978 -$336 -25.6%
Indiana $990 -$324 -24.7%
Iowa $888 -$426 -32.4%
Kansas $1,250 -$64 -4.9%
Kentucky $1,794 $480 36.5%
Louisiana $1,946 $632 48.1%
Maine $810 -$504 -38.4%
Maryland $1,086 -$228 -17.4%
Massachusetts $1,052 -$262 -19.9%
Michigan $2,284 $970 73.8%
Minnesota $1,102 -$212 -16.1%
Mississippi $1,574 $260 19.8%
Missouri $1,166 -$148 -11.3%
Montana $1,412 $98 7.5%
Nebraska $1,038 -$276 -21.0%
Nevada $1,576 $262 19.9%
New Hampshire $948 -$366 -27.9%
New Jersey $1,470 $156 11.9%
New Mexico $1,164 -$150 -11.4%
New York $1,386 $72 5.5%
North Carolina $756 -$558 -42.5%
North Dakota $1,076 -$238 -18.1%
Ohio $910 -$404 -30.7%
Oklahoma $1,352 $38 2.9%
Oregon $1,204 -$110 -8.4%
Pennsylvania $1,254 -$60 -4.6%
Rhode Island $1,754 $440 33.5%
South Carolina $1,192 -$122 -9.3%
South Dakota $1,110 -$204 -15.5%
Tennessee $1,152 -$162 -12.3%
Texas $1,584 $270 20.5%
Utah $974 -$340 -25.9%
Vermont $900 -$414 -31.5%
Virginia $788 -$526 -40.0%
Washington $1,018 -$296 -22.5%
West Virginia $1,204 -$110 -8.4%
Wisconsin $910 -$404 -30.7%
Wyoming $1,172 -$142 -10.8%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

Cadillac XTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Cadillac XTS $304 $618 $442 $1,522
2019 Cadillac XTS $292 $574 $452 $1,476
2018 Cadillac XTS $280 $540 $456 $1,434
2017 Cadillac XTS $268 $484 $460 $1,370
2016 Cadillac XTS $250 $446 $460 $1,314
2015 Cadillac XTS $242 $418 $464 $1,282
2014 Cadillac XTS $236 $390 $474 $1,258
2013 Cadillac XTS $218 $362 $474 $1,212

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 Best Cadillac XTS Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a brief recap of the primary concepts that were covered in the above illustrations.

  • Drivers can save up to $160 per year simply by quoting online in advance
  • Higher risk drivers who tend to receive serious violations may pay on average $1,540 more every year to insure their XTS
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Teen drivers are charged the highest rates, costing up to $421 each month if full coverage is included

Rates by Driver Age

Cadillac XTS Insurance Rates by Driver Age
Driver Age Premium
16 $5,046
20 $3,040
30 $1,360
40 $1,314
50 $1,204
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,314
50/100 $1,406
100/300 $1,521
250/500 $1,820
100 CSL $1,452
300 CSL $1,705
500 CSL $1,889

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,176
20 $4,844
30 $2,904
40 $2,852
50 $2,724
60 $2,700

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 $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $552
Rate after discounts $762

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

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