Cadillac XTS Insurance Rates

The average insurance prices for a Cadillac XTS are $1,314 every 12 months with full coverage. Comprehensive costs an estimated $250, collision insurance costs $446, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,852. Teenage drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates broken down by type of insurance:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different XTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $762
• Using higher $1,000 deductibles will save approximately $158 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,314
• Using more expensive low deductibles for physical damage coverage increases the price to $1,622
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,852
• Policy cost to insure a teenage driver with full coverage can cost as much as $5,046 or more

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Car insurance rates for a Cadillac XTS also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $470 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,000 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 $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be around 44% to 136% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac XTS insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Cheap Cadillac XTS Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Invest the time to shop around once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief summary of the data that was illustrated above.

• You may be able to save approximately $160 per year just by shopping early and online
• Consumers who want higher levels of liability will pay an extra $510 every year to increase from a 30/60 limit to a 250/500 level
• Teenage drivers have the highest car insurance rates, as much as $421 each month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,540 more annually for auto insurance