Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Cadillac XTS are $1,282 annually for full coverage. Comprehensive costs an estimated $242 each year, collision insurance costs $418, and liability costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance 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:

Comprehensive $242
Collision $418
Liability $464

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and XTS models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $514 for basic liability insurance to a high rate of $2,782 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,282
High Risk $2,782

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change insurance prices.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These examples show why all drivers should compare rates for a targeted area and their own personal driving habits, instead of 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.

Rate Comparisons

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

  • The cheapest rate after discounts is $747
  • Drivers who choose higher $1,000 deductibles will pay approximately $150 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,282
  • Selecting low deductibles for comprehensive and collision insurance will cost $1,572
  • Higher-risk drivers with serious driving violations could pay up to $2,782
  • The cost with full coverage for a teen driver can cost as much as $4,942 a year

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing Cadillac XTS insurance rates range from $747 to $4,942 for full coverage

Insurance rates for a Cadillac XTS can also vary considerably based on the trim level of your XTS, your driver profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 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 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

Cadillac XTS Insurance Rates by State
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%

View Chart as Image

Cadillac XTS insurance rates by U.S. city
Cadillac XTS Insurance Rates by Model Year
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 the Right Cadillac XTS Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a quick rundown of the car insurance concepts illustrated above.

  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,500 more annually to insure a Cadillac XTS
  • Drivers can save approximately $150 per year just by quoting online in advance
  • Increasing deductibles could save up to $450 each year
  • Policyholders who want increased liability limits will pay approximately $510 each year to go from a minimum limit to higher 250/500 limits

Rates by Driver Age

Cadillac XTS Insurance 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

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,282
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
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

Cadillac XTS Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $747

Discounts are estimated and may not be available from every company or in every state.

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