Cadillac XTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 3, 2020

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U.S. average insurance prices for a Cadillac XTS are $1,282 every 12 months for full coverage. Comprehensive costs approximately $242, collision costs $418, and liability costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing around $2,782. Teenage drivers pay the highest rates at $4,942 a year or more.

Average premium for full coverage: $1,282

Price estimates by individual coverage:

Comprehensive $242
Collision $418
Liability $464

Prices are based on $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all XTS models.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac XTS insurance prices go from the cheapest price of $514 for liability-only coverage to the much higher price of $2,782 for a driver that may need high-risk insurance.

Liability Only $514
Full Coverage $1,282
High Risk $2,782

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

The ranges above show why everyone should compare rates using their specific location and their own driving history, instead of using average rates.

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 Charts and Tables

The chart below shows estimated Cadillac XTS insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $747
  • Drivers who choose higher $1,000 deductibles will pay $150 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,282
  • Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,572
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,782 or more
  • The price to insure a teen driver for full coverage can cost $4,942 a year

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing full coverage Cadillac XTS insurance rates range from $747 to $4,942

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

Using high physical damage deductibles could save up to $440 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Cadillac XTS insurance for high-risk drivers can cost as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Cadillac XTS insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

Cadillac XTS Insurance Rates by State
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%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different.

Cadillac XTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Cadillac XTS $268 $484 $460 $1,370
2013 Cadillac XTS $242 $418 $464 $1,282

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 Affordable Cadillac XTS Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the data that was touched on in the above illustrations.

  • Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
  • Policyholders who purchase higher liability limits will pay an extra $510 each year to go from a low limit to a 250/500 level
  • Teens are the costliest to insure, with premiums as much as $412 a month if full coverage is included
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,500 more per year for XTS insurance

Rates by Driver Age

Cadillac XTS Insurance 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

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,438
$500 $1,282
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
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

Cadillac XTS Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $747

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

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