Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Cadillac XTS are $1,370 every 12 months including full coverage. Comprehensive costs around $268, collision costs $484, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,976. Teenage drivers receive the highest rates at $5,224 a year or more.
Average premium for full coverage: $1,370
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different XTS trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $510 for your basic liability-only policy to a much higher rate of $2,976 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare prices 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.
More Rate Information
The chart below breaks down estimated Cadillac XTS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Using higher $1,000 deductibles will save about $170 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,370
- Using more expensive low deductibles for physical damage coverage increases the price to $1,704
- Drivers who are prone to accidents and violations could pay at least $2,976 or more
- The cost to insure a teen driver with full coverage can be $5,224 or more
Car insurance rates for a Cadillac XTS can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles could cut rates by as much as $510 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $5,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
With so much variability in rates, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac XTS | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac XTS | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac XTS | $280 | $540 | $456 | $1,434 |
| 2016 Cadillac XTS | $268 | $484 | $460 | $1,370 |
| 2015 Cadillac XTS | $250 | $446 | $460 | $1,314 |
| 2014 Cadillac XTS | $242 | $418 | $464 | $1,282 |
| 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 Cheap Cadillac XTS Insurance
Saving money on car insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a brief summary of the concepts that were covered in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,610 more every year to insure a Cadillac XTS
- Drivers under the age of 20 are the costliest to insure, as much as $435 per month if the policy includes full coverage
- You may be able to save up to $160 per year simply by shopping early and online
- Increasing deductibles could save as much as $500 each year
- You may be able to save up to $160 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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