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...

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UPDATED: Mar 3, 2020

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U.S. average insurance prices for a Cadillac XTS are $1,258 every 12 months with full coverage. Comprehensive costs on average $236, collision costs $390, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,722. Teens pay the highest rates at $4,868 a year or more.

Average premium for full coverage: $1,258

Price estimates by individual coverage:

Comprehensive $236
Collision $390
Liability $474

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all XTS models.

Price Range from Low to High

For a driver in their 40's, Cadillac XTS insurance prices go from the cheapest price of $522 for the bare minimum liability coverage to the much higher price of $2,722 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,258
High Risk $2,722

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

The ranges above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than 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.

Additional Rate Information

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

  • The cheapest rate after discounts is $736
  • Raising to $1,000 deductibles will save around $142 annually
  • The average price for the average middle-age driver with $500 deductibles is $1,258
  • Selecting pricier low deductibles increases the price to $1,534
  • Unlucky drivers with serious driving violations could pay upwards of $2,722 or more
  • The price to insure a teenage driver for full coverage may cost $4,868

View Chart as Image

Cadillac XTS insurance cost comparison chart
Column chart showing full coverage Cadillac XTS insurance rates range from $736 to $4,868

Auto insurance prices for a Cadillac XTS are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your XTS.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $420 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Cadillac XTS insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Cadillac XTS insurance rates. A middle-age driver might find prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,700 on average in Florida, Michigan, and New York.

Cadillac XTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,138 -$120 -9.5%
Alaska $964 -$294 -23.4%
Arizona $1,044 -$214 -17.0%
Arkansas $1,258 -$0 0.0%
California $1,434 $176 14.0%
Colorado $1,202 -$56 -4.5%
Connecticut $1,292 $34 2.7%
Delaware $1,426 $168 13.4%
Florida $1,576 $318 25.3%
Georgia $1,160 -$98 -7.8%
Hawaii $904 -$354 -28.1%
Idaho $850 -$408 -32.4%
Illinois $936 -$322 -25.6%
Indiana $946 -$312 -24.8%
Iowa $850 -$408 -32.4%
Kansas $1,196 -$62 -4.9%
Kentucky $1,716 $458 36.4%
Louisiana $1,862 $604 48.0%
Maine $776 -$482 -38.3%
Maryland $1,036 -$222 -17.6%
Massachusetts $1,006 -$252 -20.0%
Michigan $2,186 $928 73.8%
Minnesota $1,052 -$206 -16.4%
Mississippi $1,508 $250 19.9%
Missouri $1,116 -$142 -11.3%
Montana $1,352 $94 7.5%
Nebraska $992 -$266 -21.1%
Nevada $1,510 $252 20.0%
New Hampshire $906 -$352 -28.0%
New Jersey $1,406 $148 11.8%
New Mexico $1,116 -$142 -11.3%
New York $1,324 $66 5.2%
North Carolina $724 -$534 -42.4%
North Dakota $1,032 -$226 -18.0%
Ohio $870 -$388 -30.8%
Oklahoma $1,292 $34 2.7%
Oregon $1,152 -$106 -8.4%
Pennsylvania $1,202 -$56 -4.5%
Rhode Island $1,678 $420 33.4%
South Carolina $1,140 -$118 -9.4%
South Dakota $1,064 -$194 -15.4%
Tennessee $1,102 -$156 -12.4%
Texas $1,516 $258 20.5%
Utah $930 -$328 -26.1%
Vermont $862 -$396 -31.5%
Virginia $754 -$504 -40.1%
Washington $974 -$284 -22.6%
West Virginia $1,152 -$106 -8.4%
Wisconsin $872 -$386 -30.7%
Wyoming $1,122 -$136 -10.8%

View Chart as Image

Cadillac XTS insurance rates by U.S. city

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite different.

Cadillac XTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Cadillac XTS $250 $446 $460 $1,314
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 Shop for the Best Cadillac XTS Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief recap of the car insurance concepts covered in the charts and tables above.

  • Drivers who tend to receive serious violations may pay on average $1,460 more each year for auto insurance
  • You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $425 each year
  • Consumers who require higher levels of liability will pay approximately $520 every year to raise from a low limit to a 250/500 level

Rates by Driver Age

Cadillac XTS Insurance Rates by Driver Age
Driver Age Premium
16 $4,868
20 $2,896
30 $1,298
40 $1,258
50 $1,150
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,258
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,258
50/100 $1,353
100/300 $1,471
250/500 $1,779
100 CSL $1,400
300 CSL $1,661
500 CSL $1,851

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XTS Insurance Rates for High Risk Drivers
Age Premium
16 $6,912
20 $4,618
30 $2,766
40 $2,722
50 $2,602
60 $2,576

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 $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $81
Paid in Full/EFT $53
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $736

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

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