Cadillac XTS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The 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 coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, with high-risk driver insurance costing $2,782 or more. Teenage drivers cost the most to insure at $4,942 a year or more.
Average premium for full coverage: $1,282
Policy rates for type of insurance:
Prices include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all XTS models.
Price Range Variability
For the normal driver, Cadillac XTS insurance rates go from the cheapest price of $514 for a discount liability-only rate to the much higher price of $2,782 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance rates.
The examples above demonstrate why everyone should get quotes for a specific zip code and their own driving history, rather than using average rates.
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.
Rates by State, City, and Model
The chart below details estimated Cadillac XTS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $747
- Choosing higher $1,000 deductibles can save about $150 annually
- The average price for a good driver age 40 using $500 deductibles is $1,282
- Using pricier low deductibles for comp and collision coverage costs an extra $290 each year
- Drivers who are prone to accidents and violations could pay at least $2,782 or more
- Policy cost to insure a teenage driver for full coverage can be $4,942 each year
Auto insurance rates for a Cadillac XTS also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Using high physical damage deductibles can save as much as $440 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. Cadillac XTS insurance for high-risk drivers ranges around 42% to 130% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Cadillac XTS insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay 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% |
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.
| 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 the Right Cadillac XTS Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct companies, and also from several local insurance agents.
The points below are a quick rundown of the data presented in the illustrations above.
- Consumers who may need increased liability limits will pay an extra $510 every year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Drivers under the age of 20 are expensive to insure, as much as $412 each month if comprehensive and collision insurance is included
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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