Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac XTS are $1,314 a year for full coverage. Comprehensive costs around $250, collision costs $446, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing around $2,852. 16-year-old 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:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different XTS trim levels.
Price Range Variability
For an average driver, Cadillac XTS insurance rates go from the low end price of $510 for your basic liability-only policy to a much higher rate of $2,852 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on 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 Information
The chart below shows estimated Cadillac XTS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $762
- Raising to $1,000 deductibles will save about $158 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,314
- Buying more expensive low deductibles bumps up the cost to $1,622
- Drivers with multiple tickets or accidents could pay at least $2,852 or more
- Policy cost that insures a 16-year-old driver with full coverage can be $5,046
Insurance rates for a Cadillac XTS also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,000 a year. View Rates by Age
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 at least $1,880 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $470 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
| 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 Find the Best Cheap Cadillac XTS Insurance
Finding cheaper rates on insurance for a Cadillac XTS consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.
Below you'll find a quick review of the data covered in the above illustrations.
- Insureds who may need more liability protection will pay around $510 each year to raise from a 30/60 limit to the 250/500 level
- Drivers can save up to $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- Youthful drivers pay higher rates, costing up to $421 each month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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