Cadillac XTS Insurance Rates

The average insurance rates for a Cadillac XTS are $1,314 a year with full coverage. Comprehensive costs around $250 a year, collision insurance costs $446, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,852. 16-year-old drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and XTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $762
• Drivers who choose higher $1,000 deductibles will pay about $1,156 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,314
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,622
• High risk drivers with multiple tickets or accidents could pay at least $2,852
• Policy cost for full coverage for a teen driver can be $5,046 a year

View Chart as Image

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

Older drivers with no driving violations and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Your home state makes a big difference in Cadillac XTS insurance rates. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles could save up to $470 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

How to Find Affordable Cadillac XTS Insurance

Finding cheaper rates on Cadillac XTS insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

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

• Youthful drivers are the costliest to insure, as much as $421 each month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,540 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $475 each year
• You may be able to save up to $160 per year just by quoting early and online