Cadillac XTS Insurance Rates

The average insurance rates for a Cadillac XTS are $1,314 a year for full coverage. Comprehensive insurance costs approximately $250 a year, collision insurance costs $446, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,852 or more. 16-year-old drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and XTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The best full coverage rate is $762
• Raising to $1,000 deductibles will save $1,156 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,314
• Buying low $100 deductibles will cost an additional $308 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,852
• Policy cost that insures a teen driver can cost $5,046

View Chart as Image

Car insurance rates for a Cadillac XTS also range considerably based on the trim level of your XTS, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

Your home state also has a big influence on Cadillac XTS insurance prices. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $470 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cadillac XTS Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Comparison shop at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following is a brief recap of the data raised in the charts and tables above.

• Policyholders who purchase higher liability limits will pay around $510 each year to raise from a 30/60 limit to the 250/500 level
• Drivers can save around $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Teens pay the highest auto insurance rates, costing up to $421 each month if full coverage is purchased