Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Cadillac XTS are $1,314 annually including full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $446, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,852 or more. 16-year-old drivers pay the most at up to $5,046 a year.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Comprehensive $250
Collision $446
Liability $460

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different XTS trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Cadillac XTS range from as cheap as $510 for just liability coverage to a much higher rate of $2,852 for high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

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

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location 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.

Detailed Rate Analysis

The chart below breaks down average Cadillac XTS insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $762
  • Raising to $1,000 deductibles will save $158 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,314
  • Buying more expensive low deductibles costs an additional $308 annually
  • Drivers with multiple tickets or accidents could pay around $2,852
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $5,046

View Chart as Image

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

Insurance prices for a Cadillac XTS also have a wide range based on the model of your XTS, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $470 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Cadillac XTS insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,880 on average in Louisiana, 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
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 Buy More Affordable Cadillac XTS Insurance

Finding better rates on insurance for a Cadillac XTS consists of having a decent driving record, having good credit, refrain from filing small claims, and consideration of higher deductibles. Take the time to comparison shop every couple of years by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a summary of the material that was touched on in the above illustrations.

  • Insureds who purchase additional liability coverage will pay around $510 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $421 per month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,540 more per year than a driver with a clean driving record
  • Increasing policy deductibles could save up to $475 each year

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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