Cadillac XTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 5, 2023

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Average insurance prices for a Cadillac XTS are $1,258 every 12 months for full coverage. Comprehensive costs an estimated $236 each year, collision costs $390, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,722. Teens receive the highest rates at $4,868 a year or more.

Average premium for full coverage: $1,258

Rate estimates broken down by individual coverage type:

Comprehensive $236
Collision $390
Liability $474

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and XTS models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the cheapest price of $522 for a discount liability-only rate to a high rate of $2,722 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,258
High Risk $2,722

Price Range by Location

Your location can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

These examples show why all drivers should compare rates for a targeted area 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.

Rates by State, City, and Model

The chart below shows estimated Cadillac XTS insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $736
  • Drivers who choose higher $1,000 deductibles will pay approximately $142 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,258
  • Selecting low deductibles for comprehensive and collision insurance increases the price to $1,534
  • Drivers with serious driving violations could pay up to $2,722 or more
  • The cost to insure a 16-year-old driver can cost as much as $4,868 a year

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing full coverage Cadillac XTS insurance rates range from $736 to $4,868

Auto insurance rates for a Cadillac XTS can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $420 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 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 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 133% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,800 on average in New York, Louisiana, and Michigan.

Cadillac XTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,138 -$120 -9.5%
Alaska $964 -$294 -23.4%
Arizona $1,044 -$214 -17.0%
Arkansas $1,258 -$0 0.0%
California $1,434 $176 14.0%
Colorado $1,202 -$56 -4.5%
Connecticut $1,292 $34 2.7%
Delaware $1,426 $168 13.4%
Florida $1,576 $318 25.3%
Georgia $1,160 -$98 -7.8%
Hawaii $904 -$354 -28.1%
Idaho $850 -$408 -32.4%
Illinois $936 -$322 -25.6%
Indiana $946 -$312 -24.8%
Iowa $850 -$408 -32.4%
Kansas $1,196 -$62 -4.9%
Kentucky $1,716 $458 36.4%
Louisiana $1,862 $604 48.0%
Maine $776 -$482 -38.3%
Maryland $1,036 -$222 -17.6%
Massachusetts $1,006 -$252 -20.0%
Michigan $2,186 $928 73.8%
Minnesota $1,052 -$206 -16.4%
Mississippi $1,508 $250 19.9%
Missouri $1,116 -$142 -11.3%
Montana $1,352 $94 7.5%
Nebraska $992 -$266 -21.1%
Nevada $1,510 $252 20.0%
New Hampshire $906 -$352 -28.0%
New Jersey $1,406 $148 11.8%
New Mexico $1,116 -$142 -11.3%
New York $1,324 $66 5.2%
North Carolina $724 -$534 -42.4%
North Dakota $1,032 -$226 -18.0%
Ohio $870 -$388 -30.8%
Oklahoma $1,292 $34 2.7%
Oregon $1,152 -$106 -8.4%
Pennsylvania $1,202 -$56 -4.5%
Rhode Island $1,678 $420 33.4%
South Carolina $1,140 -$118 -9.4%
South Dakota $1,064 -$194 -15.4%
Tennessee $1,102 -$156 -12.4%
Texas $1,516 $258 20.5%
Utah $930 -$328 -26.1%
Vermont $862 -$396 -31.5%
Virginia $754 -$504 -40.1%
Washington $974 -$284 -22.6%
West Virginia $1,152 -$106 -8.4%
Wisconsin $872 -$386 -30.7%
Wyoming $1,122 -$136 -10.8%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different.

Cadillac XTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Cadillac XTS $250 $446 $460 $1,314
2013 Cadillac XTS $236 $390 $474 $1,258

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 More Affordable Cadillac XTS Insurance

Saving money on insurance for a Cadillac XTS not only requires avoiding accidents and violations, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to compare rates every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the coverage data covered above.

  • Drivers can save approximately $150 per year simply by quoting online in advance
  • Increasing deductibles could save as much as $425 each year
  • Teenagers are the costliest to insure, costing as high as $406 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,460 more annually for car insurance

Rates by Driver Age

Cadillac XTS Insurance Rates by Driver Age
Driver Age Premium
16 $4,868
20 $2,896
30 $1,298
40 $1,258
50 $1,150
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,258
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,258
50/100 $1,353
100/300 $1,471
250/500 $1,779
100 CSL $1,400
300 CSL $1,661
500 CSL $1,851

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XTS Insurance Rates for High Risk Drivers
Age Premium
16 $6,912
20 $4,618
30 $2,766
40 $2,722
50 $2,602
60 $2,576

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $81
Paid in Full/EFT $53
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $736

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

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