UPDATED: Oct 27, 2020
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- 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.
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.
|Lexus GS 300||$344||$656||$338||$1,474|
|Lexus GS 350||$370||$714||$338||$1,558|
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.
|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 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.
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:
|Small overlap front: driver-side||N/R|
|Small overlap front: passenger-side||N/R|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
Cadillac XTS Crash Test Ratings
The crash test ratings of the Cadillac XTS can impact your Cadillac XTS car insurance rates.
|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
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|
|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 quotes from the best auto insurance companies using our FREE tool below.
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.
|Source: Insurance Information Institute|
Compare Free Cadillac XTS Insurance Quotes Online
Save on your Cadillac XTS car insurance rates by taking advantage of our FREE comparison tool.