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 28, 2024

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Average insurance rates for a Cadillac XTS are $1,314 a year with full coverage. Comprehensive costs around $250, collision costs $446, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,852. Teens receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Rate estimates for individual coverage type:

Comprehensive $250
Collision $446
Liability $460

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different XTS trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $510 for liability-only coverage to a much higher rate of $2,852 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

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

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on 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 Charts and Tables

The chart below details estimated Cadillac XTS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $762
  • Drivers who choose higher $1,000 deductibles will pay about $158 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $1,314
  • Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,622
  • High risk drivers with serious driving violations could pay at least $2,852 or more
  • The cost for full coverage for a teen driver with full coverage can be $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 can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Where you live makes a big difference in Cadillac XTS insurance rates. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $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 higher comprehensive and collision insurance deductibles could save up to $470 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 the Best Cadillac XTS Insurance

Saving money on Cadillac XTS 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. Invest the time to shop around at every other renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a brief recap of the concepts that were illustrated above.

  • High-risk drivers who tend to receive serious violations pay an average of $1,540 more every year for XTS insurance
  • Teens are the costliest to insure, with premiums as much as $421 per month if full coverage is included
  • You may be able to save up to $160 per year simply by shopping early and online
  • Increasing deductibles can save around $475 each year
  • You may be able to save up to $160 per year simply by shopping early and online

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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