Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac XTS are $1,370 a year with full coverage. Comprehensive costs approximately $268, collision insurance costs $484, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $2,976. 16-year-old drivers receive the highest rates at up to $5,224 a year.
Average premium for full coverage: $1,370
Rate estimates by individual coverage type:
Prices include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all XTS models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $510 for a discount liability-only rate to the much higher price of $2,976 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why everyone should compare prices using their specific location, rather than using rate averages.
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.
Rates by State, City, and Model
The chart below details average Cadillac XTS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $790
- Using higher $1,000 deductibles will save $170 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,370
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,704
- Higher-risk drivers with multiple tickets or accidents could pay around $2,976
- The cost that insures a teenage driver for full coverage can cost $5,224 or more
Auto insurance rates for a Cadillac XTS can also vary considerably based on the model of your XTS, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Cadillac XTS insurance for high-risk drivers can be around 44% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age
Where you live has a huge impact on Cadillac XTS insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or at least $1,850 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$130 | -9.5% |
| Alaska | $1,052 | -$318 | -23.2% |
| Arizona | $1,138 | -$232 | -16.9% |
| Arkansas | $1,370 | -$0 | 0.0% |
| California | $1,562 | $192 | 14.0% |
| Colorado | $1,310 | -$60 | -4.4% |
| Connecticut | $1,410 | $40 | 2.9% |
| Delaware | $1,552 | $182 | 13.3% |
| Florida | $1,716 | $346 | 25.3% |
| Georgia | $1,266 | -$104 | -7.6% |
| Hawaii | $984 | -$386 | -28.2% |
| Idaho | $928 | -$442 | -32.3% |
| Illinois | $1,022 | -$348 | -25.4% |
| Indiana | $1,032 | -$338 | -24.7% |
| Iowa | $926 | -$444 | -32.4% |
| Kansas | $1,302 | -$68 | -5.0% |
| Kentucky | $1,872 | $502 | 36.6% |
| Louisiana | $2,030 | $660 | 48.2% |
| Maine | $846 | -$524 | -38.2% |
| Maryland | $1,132 | -$238 | -17.4% |
| Massachusetts | $1,098 | -$272 | -19.9% |
| Michigan | $2,382 | $1,012 | 73.9% |
| Minnesota | $1,148 | -$222 | -16.2% |
| Mississippi | $1,642 | $272 | 19.9% |
| Missouri | $1,216 | -$154 | -11.2% |
| Montana | $1,472 | $102 | 7.4% |
| Nebraska | $1,082 | -$288 | -21.0% |
| Nevada | $1,646 | $276 | 20.1% |
| New Hampshire | $990 | -$380 | -27.7% |
| New Jersey | $1,534 | $164 | 12.0% |
| New Mexico | $1,216 | -$154 | -11.2% |
| New York | $1,444 | $74 | 5.4% |
| North Carolina | $788 | -$582 | -42.5% |
| North Dakota | $1,122 | -$248 | -18.1% |
| Ohio | $948 | -$422 | -30.8% |
| Oklahoma | $1,410 | $40 | 2.9% |
| Oregon | $1,256 | -$114 | -8.3% |
| Pennsylvania | $1,308 | -$62 | -4.5% |
| Rhode Island | $1,830 | $460 | 33.6% |
| South Carolina | $1,242 | -$128 | -9.3% |
| South Dakota | $1,156 | -$214 | -15.6% |
| Tennessee | $1,200 | -$170 | -12.4% |
| Texas | $1,654 | $284 | 20.7% |
| Utah | $1,014 | -$356 | -26.0% |
| Vermont | $940 | -$430 | -31.4% |
| Virginia | $820 | -$550 | -40.1% |
| Washington | $1,062 | -$308 | -22.5% |
| West Virginia | $1,256 | -$114 | -8.3% |
| Wisconsin | $950 | -$420 | -30.7% |
| Wyoming | $1,222 | -$148 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $510 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
| 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 Find the Right Cadillac XTS Insurance
Saving money on auto insurance requires not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following is a quick rundown of the data that was covered above.
- You may be able to save around $160 per year just by quoting online well ahead of the renewal date
- Consumers who purchase higher liability limits will pay around $510 every year to increase from a minimum limit to the 250/500 level
- Teens have the highest car insurance rates, with premiums as much as $435 per month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions may have to pay on average $1,610 more per year for XTS insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,172 |
| 30 | $1,420 |
| 40 | $1,370 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,370 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $5,054 |
| 30 | $3,034 |
| 40 | $2,976 |
| 50 | $2,844 |
| 60 | $2,820 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $97 |
| Total Discounts | $580 |
Discounts are estimated and may not be available from every company or in every state.
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