Cadillac XTS Insurance Rates

The average insurance rates for a Cadillac XTS are $1,282 a year for full coverage. Comprehensive insurance costs approximately $242 a year, collision insurance costs $418, and liability costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,782 or more. Teen drivers cost the most to insure at up to $4,942 a year.

Average premium for full coverage: $1,282

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and XTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare prices using their specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $747
• Using higher $1,000 deductibles will save $1,132 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,282
• Choosing low $100 deductibles for physical damage coverage will cost an additional $290 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,782
• Policy cost that insures a 16-year-old driver can cost $4,942 or more

View Chart as Image

Car insurance rates for a Cadillac XTS also range considerably based on the trim level of your XTS, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $440 annually, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Cadillac XTS Insurance

Finding cheaper rates on insurance for a Cadillac XTS requires having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Shop around at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a condensed summary of the data raised in the charts and tables above.

• Insureds who purchase additional liability coverage will pay about $510 each year to increase from a 30/60 limit to the 250/500 level
• Drivers can save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $450 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $412 each month if full coverage is purchased