Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac XTS are $1,314 a year for full coverage insurance. Comprehensive costs an estimated $250, collision costs $446, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $2,852. Teen drivers pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates broken down by individual coverage:

Comprehensive $250
Collision $446
Liability $460

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different XTS trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac XTS insurance prices go from the low end price of $510 for a discount liability-only rate to a much higher rate of $2,852 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than using 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 $762
  • Choosing higher $1,000 deductibles can save approximately $158 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,314
  • Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,622
  • Drivers with multiple violations and an at-fault accident could pay up to $2,852 or more
  • The price that insures a teenage driver with full coverage can cost as much as $5,046 each year

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing full coverage Cadillac XTS insurance rates range from $762 to $5,046

Insurance prices for a Cadillac XTS are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 136% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac XTS insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,780 on average in Florida, New York, and Michigan.

Cadillac XTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,188 -$126 -9.6%
Alaska $1,008 -$306 -23.3%
Arizona $1,092 -$222 -16.9%
Arkansas $1,314 -$0 0.0%
California $1,498 $184 14.0%
Colorado $1,258 -$56 -4.3%
Connecticut $1,352 $38 2.9%
Delaware $1,488 $174 13.2%
Florida $1,644 $330 25.1%
Georgia $1,214 -$100 -7.6%
Hawaii $944 -$370 -28.2%
Idaho $890 -$424 -32.3%
Illinois $978 -$336 -25.6%
Indiana $990 -$324 -24.7%
Iowa $888 -$426 -32.4%
Kansas $1,250 -$64 -4.9%
Kentucky $1,794 $480 36.5%
Louisiana $1,946 $632 48.1%
Maine $810 -$504 -38.4%
Maryland $1,086 -$228 -17.4%
Massachusetts $1,052 -$262 -19.9%
Michigan $2,284 $970 73.8%
Minnesota $1,102 -$212 -16.1%
Mississippi $1,574 $260 19.8%
Missouri $1,166 -$148 -11.3%
Montana $1,412 $98 7.5%
Nebraska $1,038 -$276 -21.0%
Nevada $1,576 $262 19.9%
New Hampshire $948 -$366 -27.9%
New Jersey $1,470 $156 11.9%
New Mexico $1,164 -$150 -11.4%
New York $1,386 $72 5.5%
North Carolina $756 -$558 -42.5%
North Dakota $1,076 -$238 -18.1%
Ohio $910 -$404 -30.7%
Oklahoma $1,352 $38 2.9%
Oregon $1,204 -$110 -8.4%
Pennsylvania $1,254 -$60 -4.6%
Rhode Island $1,754 $440 33.5%
South Carolina $1,192 -$122 -9.3%
South Dakota $1,110 -$204 -15.5%
Tennessee $1,152 -$162 -12.3%
Texas $1,584 $270 20.5%
Utah $974 -$340 -25.9%
Vermont $900 -$414 -31.5%
Virginia $788 -$526 -40.0%
Washington $1,018 -$296 -22.5%
West Virginia $1,204 -$110 -8.4%
Wisconsin $910 -$404 -30.7%
Wyoming $1,172 -$142 -10.8%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

Choosing high deductibles can save as much as $470 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices may be quite different.

Cadillac XTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Cadillac XTS $304 $618 $442 $1,522
2019 Cadillac XTS $292 $574 $452 $1,476
2018 Cadillac XTS $280 $540 $456 $1,434
2017 Cadillac XTS $268 $484 $460 $1,370
2016 Cadillac XTS $250 $446 $460 $1,314
2015 Cadillac XTS $242 $418 $464 $1,282
2014 Cadillac XTS $236 $390 $474 $1,258
2013 Cadillac XTS $218 $362 $474 $1,212

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 Cheapest Cadillac XTS Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Shop around at every other renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

Below is a recap of the concepts that were touched on in the above illustrations.

  • Drivers that have major violations or accidents may have to pay on average $1,540 more annually for auto insurance
  • Teenage drivers are charged the highest prices, as much as $421 a month if full coverage is included
  • It is possible to save approximately $160 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $475 each year
  • It is possible to save approximately $160 per year simply by shopping early and online

Rates by Driver Age

Cadillac XTS Insurance Rates by Driver Age
Driver Age Premium
16 $5,046
20 $3,040
30 $1,360
40 $1,314
50 $1,204
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,314
50/100 $1,406
100/300 $1,521
250/500 $1,820
100 CSL $1,452
300 CSL $1,705
500 CSL $1,889

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,176
20 $4,844
30 $2,904
40 $2,852
50 $2,724
60 $2,700

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 $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $552
Rate after discounts $762

Discounts are estimated and may not be available from every company or in every state.

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