Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac XTS are $1,314 annually for full coverage. Comprehensive costs approximately $250, collision insurance costs $446, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs around $2,852. Teen drivers receive the highest rates at up to $5,046 a year.
Average premium for full coverage: $1,314
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all XTS models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $510 for just liability insurance to the much higher price of $2,852 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples show why everyone should compare rates using their specific location and their own personal driving habits, instead of using price averages.
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 Details
The chart below shows average Cadillac XTS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $762
- Drivers who choose higher $1,000 deductibles will pay $158 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,314
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,622
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,852
- The cost with full coverage for a teen driver for full coverage can cost $5,046 a year
Insurance rates for a Cadillac XTS can also vary considerably based on the trim level of your XTS, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 additional per year, depending on your age. Cadillac XTS insurance for high-risk drivers can cost as much as 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $470 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Buy the Best Cheap Cadillac XTS Insurance
Saving money on car insurance not only requires being a good driver, but also having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to compare rates once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following list is a quick review of the data that was covered above.
- Drivers can save around $160 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase an increased level of liability coverage will pay about $510 each year to go from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, costing as high as $421 per month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,540 more per year than a safer driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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