Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac XTS are $1,370 a year including full coverage. Comprehensive costs approximately $268, collision insurance costs $484, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,976. Teens pay the highest rates at up to $5,224 a year.
Average premium for full coverage: $1,370
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all XTS models.
Price Range from Low to High
For an average driver, Cadillac XTS insurance prices range from the low end price of $510 for your basic liability-only policy to the much higher price of $2,976 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above highlight why everyone should compare prices using their specific location, instead of using 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.
More Rate Information
The chart below breaks down average Cadillac XTS insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $790
- Using higher $1,000 deductibles will save $170 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,370
- Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,704
- Drivers with serious driving violations could pay around $2,976
- The price that insures a teen driver for full coverage can cost $5,224 or more
Insurance prices for a Cadillac XTS are also quite variable based on the model of your XTS, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional each year, depending on your age. Cadillac XTS insurance for high-risk drivers can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
The state you live in has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac XTS | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac XTS | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac XTS | $280 | $540 | $456 | $1,434 |
| 2016 Cadillac XTS | $268 | $484 | $460 | $1,370 |
| 2015 Cadillac XTS | $250 | $446 | $460 | $1,314 |
| 2014 Cadillac XTS | $242 | $418 | $464 | $1,282 |
| 2013 Cadillac XTS | $236 | $390 | $474 | $1,258 |
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 Find the Best Cheap Cadillac XTS Insurance
Getting lower rates on car insurance requires having a good driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The next list is a quick review of the data covered in the above illustrations.
- Policyholders who purchase increased levels of liability coverage will pay approximately $510 per year to increase from a low limit to the 250/500 level
- You may be able to save around $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $500 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $435 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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