Cadillac XTS Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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.
| 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
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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