Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac XTS are $1,282 a year with full coverage. Comprehensive costs approximately $242 a year, collision costs $418, and liability coverage costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing around $2,782. Teen drivers cost the most to insure at $4,942 a year or more.
Average premium for full coverage: $1,282
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and XTS trim levels.
Price Range Variability
For the average 40-year-old driver, Cadillac XTS insurance rates go from as low as $514 for just liability insurance to a high of $2,782 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why it is important to compare rates using their specific location and risk profile, rather than 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 details estimated Cadillac XTS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $747
- Drivers who choose higher $1,000 deductibles will pay $1,132 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,282
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,572
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,782 or more
- Policy cost for full coverage for a teenage driver can cost $4,942 a year
Insurance rates for a Cadillac XTS also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state makes a big difference in Cadillac XTS insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,160 | -$122 | -9.5% |
| Alaska | $984 | -$298 | -23.2% |
| Arizona | $1,064 | -$218 | -17.0% |
| Arkansas | $1,282 | -$0 | 0.0% |
| California | $1,462 | $180 | 14.0% |
| Colorado | $1,226 | -$56 | -4.4% |
| Connecticut | $1,320 | $38 | 3.0% |
| Delaware | $1,452 | $170 | 13.3% |
| Florida | $1,604 | $322 | 25.1% |
| Georgia | $1,184 | -$98 | -7.6% |
| Hawaii | $922 | -$360 | -28.1% |
| Idaho | $868 | -$414 | -32.3% |
| Illinois | $956 | -$326 | -25.4% |
| Indiana | $966 | -$316 | -24.6% |
| Iowa | $866 | -$416 | -32.4% |
| Kansas | $1,218 | -$64 | -5.0% |
| Kentucky | $1,750 | $468 | 36.5% |
| Louisiana | $1,898 | $616 | 48.0% |
| Maine | $792 | -$490 | -38.2% |
| Maryland | $1,058 | -$224 | -17.5% |
| Massachusetts | $1,028 | -$254 | -19.8% |
| Michigan | $2,228 | $946 | 73.8% |
| Minnesota | $1,072 | -$210 | -16.4% |
| Mississippi | $1,536 | $254 | 19.8% |
| Missouri | $1,136 | -$146 | -11.4% |
| Montana | $1,378 | $96 | 7.5% |
| Nebraska | $1,012 | -$270 | -21.1% |
| Nevada | $1,536 | $254 | 19.8% |
| New Hampshire | $924 | -$358 | -27.9% |
| New Jersey | $1,432 | $150 | 11.7% |
| New Mexico | $1,136 | -$146 | -11.4% |
| New York | $1,350 | $68 | 5.3% |
| North Carolina | $740 | -$542 | -42.3% |
| North Dakota | $1,050 | -$232 | -18.1% |
| Ohio | $886 | -$396 | -30.9% |
| Oklahoma | $1,316 | $34 | 2.7% |
| Oregon | $1,174 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$60 | -4.7% |
| Rhode Island | $1,712 | $430 | 33.5% |
| South Carolina | $1,162 | -$120 | -9.4% |
| South Dakota | $1,082 | -$200 | -15.6% |
| Tennessee | $1,124 | -$158 | -12.3% |
| Texas | $1,548 | $266 | 20.7% |
| Utah | $952 | -$330 | -25.7% |
| Vermont | $880 | -$402 | -31.4% |
| Virginia | $768 | -$514 | -40.1% |
| Washington | $990 | -$292 | -22.8% |
| West Virginia | $1,176 | -$106 | -8.3% |
| Wisconsin | $890 | -$392 | -30.6% |
| Wyoming | $1,144 | -$138 | -10.8% |
Choosing high deductibles could save up to $440 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac XTS | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac XTS | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac XTS | $250 | $446 | $460 | $1,314 |
| 2016 Cadillac XTS | $242 | $418 | $464 | $1,282 |
| 2015 Cadillac XTS | $236 | $390 | $474 | $1,258 |
| 2014 Cadillac XTS | $218 | $362 | $474 | $1,212 |
| 2013 Cadillac XTS | $212 | $328 | $478 | $1,176 |
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
Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick review of the data that was touched on in this article.
- You may be able to save around $150 per year simply by quoting early and online
- Consumers who purchase increased liability limits will pay about $510 every year to go from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 are expensive to insure, as much as $412 each month for full coverage
- Drivers with a DUI or reckless driving violation pay on average $1,500 more per year to insure a Cadillac XTS
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,942 |
| 20 | $2,960 |
| 30 | $1,324 |
| 40 | $1,282 |
| 50 | $1,174 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,438 |
| $500 | $1,282 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,282 |
| 50/100 | $1,375 |
| 100/300 | $1,491 |
| 250/500 | $1,792 |
| 100 CSL | $1,421 |
| 300 CSL | $1,676 |
| 500 CSL | $1,862 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,024 |
| 20 | $4,718 |
| 30 | $2,826 |
| 40 | $2,782 |
| 50 | $2,656 |
| 60 | $2,632 |
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 | $67 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $90 |
| Total Discounts | $535 |
Discounts are estimated and may not be available from every company or in every state.
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