Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac XTS are $1,314 a year for full coverage. Comprehensive costs around $250, collision insurance costs $446, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,852. Teens pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Comprehensive $250
Collision $446
Liability $460

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different XTS trim levels.

Price Range from Low to High

For an average driver, Cadillac XTS insurance prices range from as low as $510 for your basic liability-only policy to a much higher rate of $2,852 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on 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.

More Rate Information

The chart below shows average Cadillac XTS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $762
  • Choosing higher $1,000 deductibles can save about $158 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,314
  • Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,622
  • High-risk insureds with serious driving violations could pay at least $2,852
  • The price for full coverage for a teen driver with full coverage can be $5,046 each year

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing Cadillac XTS insurance rates range from $762 to $5,046 for full coverage

Auto insurance prices for a Cadillac XTS are also quite variable based on your driving record, the trim level of your XTS, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac XTS insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

Cadillac XTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,188 -$126 -9.6%
Alaska $1,008 -$306 -23.3%
Arizona $1,092 -$222 -16.9%
Arkansas $1,314 -$0 0.0%
California $1,498 $184 14.0%
Colorado $1,258 -$56 -4.3%
Connecticut $1,352 $38 2.9%
Delaware $1,488 $174 13.2%
Florida $1,644 $330 25.1%
Georgia $1,214 -$100 -7.6%
Hawaii $944 -$370 -28.2%
Idaho $890 -$424 -32.3%
Illinois $978 -$336 -25.6%
Indiana $990 -$324 -24.7%
Iowa $888 -$426 -32.4%
Kansas $1,250 -$64 -4.9%
Kentucky $1,794 $480 36.5%
Louisiana $1,946 $632 48.1%
Maine $810 -$504 -38.4%
Maryland $1,086 -$228 -17.4%
Massachusetts $1,052 -$262 -19.9%
Michigan $2,284 $970 73.8%
Minnesota $1,102 -$212 -16.1%
Mississippi $1,574 $260 19.8%
Missouri $1,166 -$148 -11.3%
Montana $1,412 $98 7.5%
Nebraska $1,038 -$276 -21.0%
Nevada $1,576 $262 19.9%
New Hampshire $948 -$366 -27.9%
New Jersey $1,470 $156 11.9%
New Mexico $1,164 -$150 -11.4%
New York $1,386 $72 5.5%
North Carolina $756 -$558 -42.5%
North Dakota $1,076 -$238 -18.1%
Ohio $910 -$404 -30.7%
Oklahoma $1,352 $38 2.9%
Oregon $1,204 -$110 -8.4%
Pennsylvania $1,254 -$60 -4.6%
Rhode Island $1,754 $440 33.5%
South Carolina $1,192 -$122 -9.3%
South Dakota $1,110 -$204 -15.5%
Tennessee $1,152 -$162 -12.3%
Texas $1,584 $270 20.5%
Utah $974 -$340 -25.9%
Vermont $900 -$414 -31.5%
Virginia $788 -$526 -40.0%
Washington $1,018 -$296 -22.5%
West Virginia $1,204 -$110 -8.4%
Wisconsin $910 -$404 -30.7%
Wyoming $1,172 -$142 -10.8%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Cadillac XTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Cadillac XTS $304 $618 $442 $1,522
2019 Cadillac XTS $292 $574 $452 $1,476
2018 Cadillac XTS $280 $540 $456 $1,434
2017 Cadillac XTS $268 $484 $460 $1,370
2016 Cadillac XTS $250 $446 $460 $1,314
2015 Cadillac XTS $242 $418 $464 $1,282
2014 Cadillac XTS $236 $390 $474 $1,258
2013 Cadillac XTS $218 $362 $474 $1,212

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 More Affordable Cadillac XTS Insurance

Getting lower rates on Cadillac XTS insurance takes having a good driving record, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The next list is a summary of the ideas that were covered in the above illustrations.

  • Drivers age 20 and younger are expensive to insure, with premiums as much as $421 a month if they have full coverage
  • High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,540 more every year to buy Cadillac XTS insurance
  • Increasing physical damage deductibles can save around $475 each year
  • Drivers can save up to $160 per year just by shopping early and online

Rates by Driver Age

Cadillac XTS Insurance Rates by Driver Age
Driver Age Premium
16 $5,046
20 $3,040
30 $1,360
40 $1,314
50 $1,204
60 $1,180

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,314
50/100 $1,406
100/300 $1,521
250/500 $1,820
100 CSL $1,452
300 CSL $1,705
500 CSL $1,889

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,176
20 $4,844
30 $2,904
40 $2,852
50 $2,724
60 $2,700

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 $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $552
Rate after discounts $762

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

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