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...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Average insurance rates for a Cadillac XTS are $1,258 a year for full coverage insurance. Comprehensive costs an estimated $236, collision costs $390, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,722. Teen drivers 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

Prices include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all XTS models.

Price Range by Coverage and Risk

For the average driver, prices range go from the low end price of $522 for a discount liability-only rate to the much higher price of $2,722 for high-risk insurance.

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

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

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

These examples illustrate why everyone should get quotes for a targeted area, instead of making a decision based on price 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $736
  • Choosing higher $1,000 deductibles can save approximately $142 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,258
  • Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,534
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,722 or more
  • The cost that insures a 16-year-old driver for full coverage can cost as much as $4,868 each 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

Insurance rates for a Cadillac XTS can also vary considerably based on the model of your XTS, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,500 to $2,100 additional per year, depending on your age. Cadillac XTS insurance for high-risk drivers ranges from 43% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac XTS insurance prices. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,700 on average in Florida, New York, 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

Choosing high deductibles can save as much as $420 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and 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 Find the Right Cadillac XTS Insurance

Saving money on insurance for a Cadillac XTS takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick rundown of the material that was touched on above.

  • Insureds who want higher levels of liability will pay about $520 annually to raise limits from a minimum limit to the 250/500 level
  • Teenage drivers are expensive to insure, costing up to $406 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,460 more annually for auto insurance
  • Increasing deductibles can save approximately $425 each year

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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