Cadillac XTS Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,406 |
| $500 | $1,258 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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