Cadillac XTS Insurance Rates

The average insurance rates for a Cadillac XTS are $1,314 a year with full coverage. Comprehensive insurance costs approximately $250 each year, collision insurance costs $446, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,852 or more. Teenage drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and XTS models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $762
• Drivers who choose higher $1,000 deductibles will pay $158 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,314
• Using low deductibles for comprehensive and collision insurance will cost an extra $308 annually
• Drivers who are prone to accidents and violations could pay around $2,852
• Policy cost for full coverage for a 16-year-old driver can cost $5,046 a year

View Chart as Image

Insurance rates for a Cadillac XTS also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $470 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Right Cadillac XTS Insurance

Finding cheaper rates on insurance for a Cadillac XTS not only requires being a good driver, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the primary concepts that were covered in the above illustrations.

• You may be able to save around $160 per year just by quoting online in advance
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,540 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $421 each month including comprehensive and collision insurance