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 rates for a Cadillac XTS are $1,282 a year including full coverage. Comprehensive insurance costs approximately $242 a year, collision insurance costs $418, and liability costs $464. Liability-only insurance costs as little as $514 a year, and high-risk driver insurance costs $2,782 or more. Teenage drivers 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 include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and XTS trim levels.
Price Range Variability
For the average 40-year-old driver, Cadillac XTS insurance rates range from the low end price of $514 for just liability insurance to a high of $2,782 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location, instead of 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.
More Rate Details
The chart below breaks down average Cadillac XTS insurance rates for additional coverage and risk scenarios.
- The best discount rate is $747
- Drivers who choose higher $1,000 deductibles will pay $1,132 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,282
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $290 every year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,782
- Policy cost that insures a teen driver can cost $4,942 a year
Auto insurance rates for a Cadillac XTS also range considerably based on the trim level of your XTS, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.
| 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% |
Using high physical damage deductibles could save up to $440 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit
| 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 Find the Right Cadillac XTS Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Compare prices at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The points below are a quick rundown of the concepts that were touched on in this article.
- Higher risk drivers with reckless driving or DUI convictions will likely pay on average $1,500 more per year to insure a Cadillac XTS
- Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $412 each month if the policy includes full coverage
- You may be able to save around $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- You may be able to save around $150 per year just by quoting early and online
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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