Cadillac XTS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac XTS are $1,282 every 12 months with full coverage. Comprehensive insurance costs around $242, collision costs $418, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,782 or more. Teen drivers pay the highest rates at $4,942 a year or more.
Average premium for full coverage: $1,282
Price estimates for individual coverage:
Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all XTS models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac XTS insurance prices go from the cheapest price of $514 for basic liability insurance to the much higher price of $2,782 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.
The example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code and their own driving history, instead of using price averages.
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.
Rate Comparisons
The chart below details estimated Cadillac XTS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $747
- Choosing higher $1,000 deductibles can save about $150 annually
- The average price for the average middle-age driver using $500 deductibles is $1,282
- Choosing pricier low deductibles for comp and collision coverage costs an extra $290 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,782 or more
- The price to insure a teen driver for full coverage can be $4,942 each year
Insurance prices for a Cadillac XTS are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing high deductibles can save as much as $440 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. Cadillac XTS insurance for high-risk drivers ranges as much as 42% to 130% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac XTS insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different.
| 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 Shop for Low Cost Cadillac XTS Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a review of the information touched on in the above illustrations.
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Teens pay higher prices, costing up to $412 a month if they have full coverage
- Increasing physical damage deductibles could save as much as $450 each year
- Higher risk drivers who have several accidents or serious violations pay on average $1,500 more every year for XTS insurance
- Policyholders who may need higher liability limits will pay about $510 every year to raise limits from a low limit to a 250/500 level
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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