Cadillac XTS Insurance Rates

Average insurance rates for a Cadillac XTS are $1,282 a year with full coverage. Comprehensive costs an estimated $242 a year, collision insurance costs $418, and liability costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs around $2,782. Teens receive the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Rate estimates broken down by individual coverage type:

Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and XTS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below details average Cadillac XTS insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $747
• Using higher $1,000 deductibles will save approximately $1,132 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,282
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,572
• High-risk insureds with serious driving violations could pay up to $2,782
• The cost that insures a 16-year-old driver can cost as much as $4,942 or more

View Chart as Image

Auto insurance rates for a Cadillac XTS can also vary considerably based on the trim level of your XTS, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 42% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

Where you live has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Cadillac XTS Insurance

Saving money on insurance for a Cadillac XTS requires not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Compare rates once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a condensed summary of the data that was illustrated above.

• You may be able to save approximately $150 per year just by quoting early and online
• Insureds who want higher liability limits will pay approximately $510 every year to increase from a minimum limit to the 250/500 level
• Teens are the costliest to insure, with premiums as much as $412 per month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,500 more annually for XTS insurance