How Much are Cadillac XTS Insurance Rates?

Average car insurance rates for a Cadillac XTS cost $1,574 a year, or around $131 a month. Finding Cadillac XTS teenager insurance coverage can cost on average $5,753 a year, so shop around to find cheap rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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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

Don’t let shopping for Cadillac XTS insurance rates ruin your day. Full coverage for a Cadillac XTS costs around $1,574 a year or $131 each month. Keep reading to learn how to save on Cadillac XTS insurance rates in our comprehensive guide.

You can start comparing quotes for Cadillac XTS car insurance rates from some of the best car insurance companies by using our free online tool now.

Cadillac XTS Insurance Cost

The average Cadillac XTS car 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 S450, Lexus GS 300, and Audi S7.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz S450 $494 $982 $398 $2,032
Lexus GS 300 $344 $656 $338 $1,474
Audi S7 $532 $1250 $398 $2,338
Acura TLX $332 $686 $398 $1,574
Jaguar XE $382 $774 $398 $1,712
Lexus GS 350 $370 $714 $338 $1,558
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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?

The Cadillac XTS trim and model you choose can impact the total price you will pay for Cadillac XTS insurance coverage.

Age of the Vehicle

Older Cadillac XTS models generally cost less to insure. For example, car insurance for a 2017 Cadillac XTS costs $1,574, while 2013 Cadillac XTS insurance costs 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
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Driver Age

Driver age can have a significant effect on the cost of Cadillac XTS car insurance. For example, 30-year-old drivers pay approximately $69 more for their Cadillac XTS car insurance than 40-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 car insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac XTS car insurance with violations on their driving record.

Cadillac XTS Safety Ratings

Your Cadillac XTS auto insurance rates are influenced by the Cadillac XTS’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Cadillac XTS Crash Test Ratings

The crash test ratings of the Cadillac XTS can impact your Cadillac XTS car 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
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Cadillac XTS Safety Features

The Cadillac XTS safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Cadillac XTS auto insurance rates. The Cadillac XTS’s safety features 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 for each form of coverage. The lower percentage means lower Cadillac XTS auto insurance rates; higher percentages mean higher Cadillac XTS car insurance rates.

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
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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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Cadillac XTS Insurance

There are many ways that you can save on Cadillac XTS car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Cadillac XTS car insurance rates low.

  • Consider Cadillac XTS Insurance Costs Before Buying a Cadillac XTS
  • Consider Ride Sharing Services to Lower Your Cadillac XTS Mileage
  • Don’t Always Pick the Cheapest Cadillac XTS Insurance Policy
  • Compare Cadillac XTS Quotes Online
  • Compare Apples to Apples When Comparing Cadillac XTS Insurance Quotes and Policies

Top Cadillac XTS Insurance Companies

Who is the top car insurance company for Cadillac XTS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac XTS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac XTS offers.

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
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Save on your Cadillac XTS car insurance rates by taking advantage of our FREE comparison tool.

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