Cadillac XTS Insurance Rates

Average insurance rates for a Cadillac XTS are $1,282 a year for full coverage insurance. Comprehensive insurance costs on average $242 a year, collision insurance costs $418, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, and coverage for high-risk drivers costs $2,782 or more. Teen drivers receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and XTS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

These examples illustrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates average Cadillac XTS insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $747
• Choosing higher $1,000 deductibles can save around $1,132 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,282
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $290 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,782
• The cost for full coverage for a 16-year-old driver may cost $4,942 each year

View Chart as Image

Insurance rates for a Cadillac XTS can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,900 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 $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $440 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than average. View High Risk Driver Rates

How to Find the Best Cheap Cadillac XTS Insurance

Saving money on insurance for a Cadillac XTS takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a quick review of the data presented in the illustrations above.

• Insureds who require higher liability limits will pay about $510 annually to raise limits from a minimum limit to 250/500 limits
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing deductibles can save around $450 each year
• Teens pay higher rates, costing up to $412 per month including comprehensive and collision insurance