Cadillac XTS Insurance Rates

Average auto insurance rates for a Cadillac XTS are $1,314 annually including full coverage. Comprehensive costs an estimated $250 a year, collision insurance costs $446, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,852. Teens receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and XTS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

These examples highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Cadillac XTS insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $762
• Using higher $1,000 deductibles will save approximately $1,156 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,314
• Selecting low $100 deductibles for physical damage coverage will cost $1,622
• Drivers with serious driving violations could pay up to $2,852
• The cost with full coverage for a teen driver can cost as much as $5,046 or more

View Chart as Image

Insurance rates for a Cadillac XTS can also vary considerably based on the trim level of your XTS, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Cadillac XTS insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Cheapest Cadillac XTS Insurance

Saving money on car insurance requires being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a recap of the data that was touched on in this article.

• You may be able to save approximately $160 per year just by quoting early and online
• Policyholders who want an increased level of liability coverage will pay approximately $510 per year to increase from a minimum limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $421 per month if they have full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,540 more annually than a safer driver