Cadillac XTS Insurance Rates

Estimated insurance rates for a Cadillac XTS are $1,314 a year with full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $446, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,852 or more. Teen drivers pay the most at up to $5,046 a year.

Average premium for full coverage: $1,314

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all XTS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The example below illustrates how where you live affects insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $762
• Using higher $1,000 deductibles will save approximately $158 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,314
• Choosing pricier low deductibles for physical damage coverage will cost an additional $308 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,852
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $5,046 or more

View Chart as Image

Insurance prices for a Cadillac XTS also have a wide range based on the model of your XTS, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,600 to $2,200 extra annually, depending on your age. Cadillac XTS insurance for high-risk drivers can be as much as 44% to 136% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $470 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Cadillac XTS Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and deciding if full coverage is necessary. Shop around at every policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief summary of the data touched on in the above illustrations.

• Policyholders who want increased liability limits will pay about $510 every year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $475 each year
• Drivers under the age of 20 are charged the highest prices, possibly costing $421 per month if full coverage is included