Cadillac XTS Insurance Rates
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UPDATED: Jun 5, 2023
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The average insurance prices for a Cadillac XTS are $1,282 every 12 months with full coverage. Comprehensive insurance costs around $242 each year, collision insurance costs $418, and liability coverage is $464. A liability-only policy costs around $514 a year, and high-risk insurance costs $2,782 or more. 16-year-old drivers cost the most to insure at up to $4,942 a year.
Average premium for full coverage: $1,282
Policy rates for type of insurance:
Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and XTS models.
Price Range Variability
For the average driver, Cadillac XTS insurance rates range from the cheapest price of $514 for just liability insurance to a high rate of $2,782 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The graphic below illustrates how location impacts auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than using rate averages.
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.
More Rate Details
The chart below details average Cadillac XTS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $747
- Raising to $1,000 deductibles will save about $150 annually
- The average price for a good driver age 40 using $500 deductibles is $1,282
- Buying low deductibles costs an extra $290 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,782
- Policy cost to insure a teenage driver can be $4,942
Car insurance rates for a Cadillac XTS also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $440 a year, whereas increasing liability limits will increase rates. Moving 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
More mature drivers with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 may be forking out at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Cadillac XTS insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2015 Cadillac XTS||$268||$484||$460||$1,370|
|2013 Cadillac XTS||$242||$418||$464||$1,282|
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 auto insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.
Below is a recap of the ideas that were touched on above.
- Teenage drivers are the costliest to insure, as much as $412 each month if the policy includes full coverage
- Drivers that have major violations or accidents pay on average $1,500 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- You may be able to save up to $150 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$89|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.