Cadillac XTS Insurance Rates

U.S. average insurance rates for a Cadillac XTS are $1,282 a year for full coverage. Comprehensive insurance costs on average $242, collision insurance costs $418, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,782 or more. Teenage drivers pay the highest rates at up to $4,942 a year.

Average premium for full coverage: $1,282

Price estimates by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different XTS trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

The ranges above show why anyone shopping for car insurance should get quotes based on a specific location, rather than using average rates.

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

Rate Comparisons

The chart below shows average Cadillac XTS insurance rates for different risk profiles and scenarios.

• The best discount rate is $747
• Choosing higher $1,000 deductibles can save around $150 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,282
• Using more expensive low deductibles for comp and collision coverage will cost an additional $290 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,782
• The price that insures a teenage driver with full coverage may cost $4,942 each year

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Car insurance prices for a Cadillac XTS are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges around 42% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,900 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 $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles can save as much as $440 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Cadillac XTS Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the data that was covered in the charts and tables above.

• Drivers can save as much as $150 per year just by shopping early and online
• Consumers who require more liability protection will pay an extra $510 each year to raise limits from a low limit to the 250/500 level
• Youthful drivers are expensive to insure, with premiums as much as $412 a month if full coverage is purchased
• Drivers with reckless driving or DUI convictions may pay on average $1,500 more each year than a low-risk driver