Cadillac XTS Auto Insurance (2024)
Average auto insurance rates for a Cadillac XTS cost $1,574 a year, or around $131 a month. Shop around to find cheap Cadillac XTS insurance rates. On average, Cadillac XTS comprehensive insurance coverage costs $383, collision coverage costs $560, and liability coverage costs $444.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,574 a year or $131 each month
- A liability-only policy costs around $631 a year or $53 each month
- Highest rates are for teenage drivers at around $5,753 a year or $479 each month
- Good drivers can save as much as $649 a year by earning policy discounts
- Cadillac XTS insurance costs around $55 more per year than the average vehicle
Cadillac XTS insurance rates are $1,574 per year or $131 per month for full coverage insurance. Cadillac XTS teen drivers have insurance rates of $479 month. Continue reading through this guide to see how you can eligible for policy discounts.
You can start comparing quotes for Cadillac XTS auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Cadillac XTS Insurance Cost
The average Cadillac XTS auto insurance rates are $1,574 a year or $131 a month.
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Are Cadillac XTSs Expensive to Insure?
The chart below details how Cadillac XTS insurance rates compare to other luxury cars like the Mercedes-Benz E300, Cadillac CT6, and Audi A6.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Cadillac CT6 | $382 | $774 | $398 | $1,712 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Porsche Panamera | $520 | $1042 | $398 | $2,118 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
What Impacts the Cost of Cadillac XTS Insurance?
You might have noticed that there is a multitude of factors that impact Cadillac XTS auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Cadillac XTS.
Age of the Vehicle
Older Cadillac XTS models generally cost less to insure. For example, auto insurance rates for a 2017 Cadillac XTS are $1,574, while 2013 Cadillac XTS rates are $1,434, a difference of $140.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2017 Cadillac XTS | $332 | $668 | $416 | $1,574 |
| 2016 Cadillac XTS | $320 | $640 | $430 | $1,548 |
| 2015 Cadillac XTS | $304 | $618 | $442 | $1,522 |
| 2014 Cadillac XTS | $292 | $574 | $452 | $1,476 |
| 2013 Cadillac XTS | $280 | $540 | $456 | $1,434 |
Driver Age
Driver age can have a significant effect on Cadillac XTS auto insurance rates. For example, 20-year-old drivers pay $1,925 more for their Cadillac XTS auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Cadillac XTS insurance rates. For example, drivers in Los Angeles may pay $866 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on the cost of Cadillac XTS auto insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac XTS auto insurance with violations on their driving record.
Cadillac XTS Safety Ratings
Your Cadillac XTS auto insurance rates are tied to the safety ratings of the Cadillac XTS. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/A |
|---|---|
| Small overlap front: passenger-side | N/A |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| Source: Insurance Institute for Highway Safety | |
Cadillac XTS Crash Test Ratings
The crash test ratings of the Cadillac XTS can impact your Cadillac XTS auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Cadillac XTS 4 DR FWD | N/R | 5 stars | N/R | 4 stars |
| 2019 Cadillac XTS 4 DR AWD | N/R | 5 stars | N/R | 4 stars |
| 2018 Cadillac XTS 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Cadillac XTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Cadillac XTS 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Cadillac XTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Cadillac XTS 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Cadillac XTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Cadillac XTS Safety Features
Cadillac XTS safety features can lower the cost of your insurance. The safety features for the 2020 Cadillac XTS include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
Cadillac XTS Insurance Loss Probability
The Cadillac XTS’s insurance loss probability varies between different coverage types. The lower percentage means lower Cadillac XTS auto insurance costs; higher percentages mean higher Cadillac XTS auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | 13% |
|---|---|
| Property Damage | -19% |
| Comprehensive | 16% |
| Personal Injury | -18% |
| Medical Payment | -19% |
| Bodily Injury | -19% |
| Source: Insurance Institute for Highway Safety | |
Cadillac XTS Finance and Insurance Cost
If you are financing a Cadillac XTS, most lenders will require your carry higher Cadillac XTS coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac XTS auto insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Cadillac XTS Insurance
Although it may seem like your Cadillac XTS auto insurance rates are set, there are a few measures that you can take to secure the best Cadillac XTS auto insurance rates possible. Take a look at the following five ways to save on Cadillac XTS auto insurance.
- Talk to Your Credit Card Company to Save on Rental Car Costs
- Drive Your Cadillac XTS Safely
- Buy Winter Tires for Your Cadillac XTS
- Save Money on Young Driver Cadillac XTS Insurance Rates By Mentioning Grades or GPA
- Remove Unnecessary Insurance Once Your Cadillac XTS is Paid Off
Top Cadillac XTS Insurance Companies
The best auto insurance companies for Cadillac XTS auto insurance rates will offer competitive rates, discounts, and account for the Cadillac XTS’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Cadillac XTS Insurance Quotes Online
You can start comparing quotes for Cadillac XTS insurance from some of the top auto insurance companies by using our free online tool today.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is the average cost of auto insurance for a Cadillac XTS?
The average auto insurance rates for a Cadillac XTS are $1,574 per year or around $131 per month for full coverage insurance. These rates can vary depending on various factors.
How can I find cheap insurance rates for a Cadillac XTS?
To find cheap insurance rates for a Cadillac XTS, it is recommended to shop around and compare quotes from different insurance companies. This allows you to find the best rates and coverage options that suit your needs.
What are the average costs for comprehensive, collision, and liability coverage for a Cadillac XTS?
On average, comprehensive insurance coverage for a Cadillac XTS costs $383, collision coverage costs $560, and liability coverage costs $444.
Are Cadillac XTSs expensive to insure compared to other luxury cars?
The insurance rates for Cadillac XTSs can vary compared to other luxury cars. Factors such as the model year, driver age, location, and driving record can influence the insurance rates for a Cadillac XTS.
What are some ways to save on Cadillac XTS insurance?
Here are five ways to save on Cadillac XTS insurance:
- Compare quotes from different insurance companies.
- Take advantage of available discounts.
- Maintain a good driving record.
- Opt for higher deductibles.
- Consider bundling your auto insurance with other policies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.