Cadillac XTS Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Cadillac XTS are $1,370 annually for full coverage insurance. Comprehensive costs an estimated $268, collision insurance costs $484, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,976. 16-year-old drivers pay the most at up to $5,224 a year.
Average premium for full coverage: $1,370
Premium estimates broken down by type of coverage:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all XTS models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac XTS range from as cheap as $510 for basic liability insurance to the much higher price of $2,976 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities. The example below illustrates how location helps determine insurance prices.
These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of 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.
Rate Comparisons
The chart below illustrates average Cadillac XTS insurance rates for other coverage scenarios.
- The best full coverage rate is $790
- Raising to $1,000 deductibles will save approximately $170 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,370
- Buying pricier low deductibles will cost $1,704
- At-risk drivers with multiple tickets or accidents could pay up to $2,976
- An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $5,224
Auto insurance prices for a Cadillac XTS also have a wide range based on the model of your XTS, your risk profile, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,600 to $2,300 in extra premium annually, depending on your age. Cadillac XTS insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $510 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Cadillac XTS insurance prices. A middle-age driver might find prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,850 on average in Florida, New York, and Michigan.
| 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% |
| 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 Cheap Cadillac XTS Insurance
Finding better rates on car insurance consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the data covered in the charts and tables above.
- Policyholders who want increased levels of liability coverage will pay around $510 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
- It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $500 each year
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $435 per month if full coverage is included
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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