Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac XTS are $1,282 annually with full coverage. Comprehensive costs on average $242 a year, collision insurance costs $418, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,782. Teens 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:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and XTS trim levels.
Price Range Variability
For the average 40-year-old driver, Cadillac XTS insurance rates range from as cheap as $514 for just liability coverage to a high of $2,782 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than using averaged prices.
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.
Detailed Rate Analysis
The chart below details average Cadillac XTS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $747
- Drivers who choose higher $1,000 deductibles will pay around $1,132 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,282
- Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,572
- High-risk insureds with serious driving violations could pay upwards of $2,782
- Policy cost with full coverage for a teenage driver may cost $4,942 a year
Insurance rates for a Cadillac XTS also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $440 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac XTS insurance rates. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac XTS | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac XTS | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac XTS | $250 | $446 | $460 | $1,314 |
| 2016 Cadillac XTS | $242 | $418 | $464 | $1,282 |
| 2015 Cadillac XTS | $236 | $390 | $474 | $1,258 |
| 2014 Cadillac XTS | $218 | $362 | $474 | $1,212 |
| 2013 Cadillac XTS | $212 | $328 | $478 | $1,176 |
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 Buy Affordable Cadillac XTS Insurance
Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and determing if full coverage is necessary. Make time to compare rates every time your policy renews by getting price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a brief review of the information touched on in this article.
- You may be able to save as much as $150 per year just by quoting early and online
- Youthful drivers pay the highest rates, as much as $412 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Drivers with DUI or reckless driving convictions pay an average of $1,500 more each year than a low-risk driver
- Consumers who require more liability protection will pay approximately $510 every year to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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