Cadillac XTS Insurance Rates

U.S. average insurance prices for a Cadillac XTS are $1,282 every 12 months for full coverage. Comprehensive insurance costs an estimated $242 each year, collision insurance costs $418, and liability costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs $2,782 or more. Teenage drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and XTS models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows average Cadillac XTS insurance rates for other coverage scenarios.

• The best discount rate is $747
• Drivers who choose higher $1,000 deductibles will pay approximately $150 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,282
• Using low deductibles for comprehensive and collision insurance costs an extra $290 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,782
• The price to insure a teen driver can cost as much as $4,942 a year

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

Using high physical damage deductibles could save up to $440 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

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How to Shop for Cheaper Cadillac XTS Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the concepts that were illustrated above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,500 more annually than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $412 a month if comprehensive and collision insurance is included
• Drivers can save approximately $150 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $450 each year
• Drivers can save approximately $150 per year just by quoting online in advance