Cadillac XTS Insurance Rates

The average insurance rates for a Cadillac XTS are $1,370 a year for full coverage insurance. Comprehensive insurance costs on average $268 a year, collision insurance costs $484, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,976 or more. Teenage drivers cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and XTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

The examples above illustrate why it is important to compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Cadillac XTS insurance rates for different risk profiles and scenarios.

• The best discount rate is $790
• Raising to $1,000 deductibles will save around $1,200 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,370
• Using low $100 deductibles will cost an extra $334 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,976
• Policy cost for full coverage for a teenage driver may cost $5,224

View Chart as Image

Auto insurance rates for a Cadillac XTS also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Your home state also has a big influence on Cadillac XTS insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 a year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Cadillac XTS Insurance

Finding cheaper rates on auto insurance consists of being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the ideas that were touched on in this article.

• Youthful drivers are charged the highest rates, possibly costing $435 each month if they have full coverage
• Drivers with multiple at-fault accidents pay an average of $1,610 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $500 each year
• It is possible to save as much as $160 per year just by quoting early and online