Cadillac XTS Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Cadillac XTS are $1,314 every 12 months for full coverage. Comprehensive insurance costs around $250 a year, collision insurance costs $446, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $2,852 or more. Teens pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Comprehensive $250
Collision $446
Liability $460

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and XTS trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac XTS insurance prices range from the cheapest price of $510 for just the minimum liability insurance to a high of $2,852 for a policy for a high-risk driver.

Liability Only $510
Full Coverage $1,314
High Risk $2,852

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

The ranges above show why it is important to compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $762
  • Raising to $1,000 deductibles will save about $1,156 a year
  • The average price for the average middle-age driver using $500 deductibles is $1,314
  • Selecting low $100 deductibles costs an extra $308 annually
  • Drivers with serious driving violations could pay at least $2,852
  • The price to insure a 16-year-old driver can be $5,046

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing Cadillac XTS insurance prices range from $762 to $5,046 for full coverage

Insurance prices for a Cadillac XTS are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $470 annually, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Cadillac XTS insurance prices. A middle-age driver might find prices as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

Cadillac XTS Insurance Rates by State
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%

View Chart as Image

Cadillac XTS insurance rates by U.S. city
Cadillac XTS Insurance Rates by Model Year
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 Shop for the Best Cheap Cadillac XTS Insurance

Getting lower rates on insurance for a Cadillac XTS consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick review of the coverage data touched on in the above illustrations.

  • Drivers can save up to $160 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $475 each year
  • Youthful drivers pay higher prices, with premiums as much as $421 a month if they have full coverage
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,540 more every year than a low-risk driver

Rates by Driver Age

Cadillac XTS Insurance 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

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,622
$250 $1,478
$500 $1,314
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
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

Cadillac XTS Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $762

Discounts are estimated and may not be available from every company or in every state.

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