Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac XTS are $1,282 annually including full coverage. Comprehensive costs approximately $242 each year, collision insurance costs $418, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs around $2,782. Teenage drivers pay the highest rates at up to $4,942 a year.
Average premium for full coverage: $1,282
Price estimates by individual coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and XTS models.
Price Range from Low to High
For a driver in their 40's, Cadillac XTS insurance prices range from as cheap as $514 for just liability insurance to a high rate of $2,782 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
The ranges above highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on 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.
More Rate Details
The chart below breaks down average Cadillac XTS insurance rates for additional coverage and risk scenarios.
- The best discount rate is $747
- Using higher $1,000 deductibles will save $150 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,282
- Using low deductibles for physical damage coverage will cost $1,572
- High-risk insureds who are prone to accidents and violations could pay around $2,782
- The price with full coverage for a 16-year-old driver can cost $4,942 or more
Insurance prices for a Cadillac XTS are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $440 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, 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% |
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Cadillac XTS | $320 | $640 | $430 | $1,548 |
2019 Cadillac XTS | $304 | $618 | $442 | $1,522 |
2018 Cadillac XTS | $292 | $574 | $452 | $1,476 |
2017 Cadillac XTS | $280 | $540 | $456 | $1,434 |
2016 Cadillac XTS | $268 | $484 | $460 | $1,370 |
2015 Cadillac XTS | $250 | $446 | $460 | $1,314 |
2014 Cadillac XTS | $242 | $418 | $464 | $1,282 |
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 Buy Low Cost Cadillac XTS Insurance
Getting lower rates on insurance for a Cadillac XTS requires avoiding accidents and claims, having a good credit history, being claim-free, and possibly raising deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a review of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 are expensive to insure, possibly costing $412 a month including comprehensive and collision insurance
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,500 more per year to insure a Cadillac XTS
- Increasing physical damage deductibles could save up to $450 each year
- You may be able to save around $150 per year just by quoting online in advance
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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