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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U.S. average auto insurance rates for a Cadillac XTS are $1,258 annually including full coverage. Comprehensive insurance costs around $236, collision insurance costs $390, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,722 or more. 16-year-old drivers pay the highest rates at up to $4,868 a year.

Average premium for full coverage: $1,258

Price estimates for individual coverage:

Comprehensive $236
Collision $390
Liability $474

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all XTS models.

Price Range from Low to High

For the average 40-year-old driver, Cadillac XTS insurance prices range from as cheap as $522 for basic liability insurance to the much higher price of $2,722 for coverage for higher-risk drivers.

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

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.

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

The ranges above highlight why everyone should get quotes for a specific zip code and their own personal driving habits, 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.

Rate Comparisons

The chart below breaks down average Cadillac XTS insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $736
  • Choosing higher $1,000 deductibles can save about $142 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,258
  • Buying pricier low deductibles for comp and collision coverage costs an additional $276 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,722
  • The price with full coverage for a 16-year-old driver for full coverage can be $4,868 each year

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing Cadillac XTS insurance prices range from $736 to $4,868 for full coverage

Auto insurance prices for a Cadillac XTS are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Cadillac XTS insurance for high-risk drivers ranges from 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $420 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Cadillac XTS insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,800 on average in Michigan, New York, and Louisiana.

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
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 Buy the Best Cadillac XTS Insurance

Getting lower rates on insurance for a Cadillac XTS takes avoiding accidents and claims, having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the primary concepts that were touched on in this article.

  • You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,460 more every year to insure a Cadillac XTS
  • Increasing physical damage deductibles could save up to $425 each year
  • Drivers under the age of 20 are expensive to insure, possibly costing $406 a month if full coverage is included

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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