Cadillac XTS Insurance Rates

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Cheap 2014 Cadillac XTS Car Insurance Quotes in 2025

Being forced to pay for overpriced auto insurance premiums can dwindle your savings account and make it impossible to make ends meet. Due to the large number of choices, it's nearly impossible to find the cheapest company. The quickest method to compare rate quotes takes advantage of the fact most of the larger companies provide online access to compare rate quotes. To get started, all you need t...

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UPDATED: Mar 28, 2024

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

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Comprehensive $250
Collision $446
Liability $460

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different XTS trim levels.

Price Range Variability

For the normal driver, Cadillac XTS insurance rates go from the low end price of $510 for the bare minimum liability coverage to a much higher rate of $2,852 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

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

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on 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.

Additional Rate Information

The chart below details estimated Cadillac XTS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $762
  • Drivers who choose higher $1,000 deductibles will pay around $158 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,314
  • Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,622
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,852 or more
  • Policy cost that insures a 16-year-old driver with full coverage may cost $5,046 a year

View Chart as Image

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

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

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 136% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

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

Choosing high deductibles could save up to $470 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied.

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 Find More Affordable Cadillac XTS Insurance

Finding cheaper rates on insurance for a Cadillac XTS not only requires being a good driver, but also having a positive credit history, not filing small claims, and maximizing policy discounts. Shop around at least every other year by obtaining price quotes from direct companies, and also from several local insurance agents.

The following list is a summary of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,540 more each year than a safer driver
  • You may be able to save as much as $160 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $475 each year
  • Insureds who require an increased level of liability coverage will pay about $510 every year to go from a 30/60 limit to the 250/500 level

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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