Cadillac XTS Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
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
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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