Cadillac XTS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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:
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.
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.
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
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.
| 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% |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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