Cadillac XTS Insurance Rates

U.S. average insurance prices for a Cadillac XTS are $1,258 every 12 months for full coverage insurance. Comprehensive costs an estimated $236 a year, collision insurance costs $390, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,722. Teen drivers pay the highest rates at up to $4,868 a year.

Average premium for full coverage: $1,258

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and XTS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

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

• The lowest rate with discounts is $736
• Using higher $1,000 deductibles will save approximately $1,116 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,258
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,534
• Drivers with multiple violations and an at-fault accident could pay up to $2,722
• The price to insure a teen driver can cost as much as $4,868 or more

View Chart as Image

Car insurance prices for a Cadillac XTS are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $420 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,700 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Cheaper Cadillac XTS Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a condensed summary of the material that was covered above.

• Policyholders who want higher liability limits will pay about $520 annually to increase from a low limit to a 250/500 level
• Teenagers have the highest car insurance prices, as much as $406 a month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,460 more annually for car insurance
• Increasing physical damage deductibles could save as much as $425 each year