Cadillac XTS Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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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