Buy Cheap Cadillac XTS Auto Insurance in 2024
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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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 26, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Jul 26, 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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
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 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
Read more: Buy Cheap Audi Auto Insurance
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
How can I find cheap insurance for my Cadillac XTS?
Finding cheap insurance for your Cadillac XTS requires some effort and research. Here are a few tips to help you get started:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Maintain a good driving record: Having a clean driving history can help lower your insurance premiums.
- Increase your deductibles: Opting for higher deductibles can lower your premium costs, but be sure you can afford to pay the deductible in the event of a claim.
- Bundle your insurance policies: Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, as it may lead to discounts.
- Install safety features: Equipping your Cadillac XTS with safety features like anti-theft devices, airbags, or a rearview camera can reduce your insurance premiums.
Are there any discounts available for Cadillac XTS insurance?
Yes, many insurance providers offer various discounts that can help you save money on your Cadillac XTS insurance. Some common discounts include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance, you may qualify for a discount.
- Good driver discount: Insurance companies often reward safe driving habits with discounts for drivers who have a clean driving record.
- Safety feature discounts: Installing safety features like anti-theft devices, airbags, or a vehicle tracking system can make you eligible for discounts.
- Low mileage discount: If you don’t drive your Cadillac XTS frequently, you may qualify for a discount based on your low annual mileage.
- Good student discount: If you or a covered driver on your policy is a student with good grades, you may be eligible for a discount.
What factors affect the cost of Cadillac XTS auto insurance?
Several factors can influence the cost of your Cadillac XTS auto insurance, including:
- Driving record: A history of accidents or traffic violations can lead to higher insurance premiums.
- Location: Where you live can impact insurance rates, as areas with higher crime rates or higher accident frequencies tend to have higher premiums.
- Age and gender: Younger and inexperienced drivers, as well as male drivers statistically have higher insurance rates.
- Coverage level: The type and amount of coverage you choose will affect your insurance premiums. Higher coverage limits will typically result in higher costs.
- Vehicle value: The value and cost to repair your Cadillac XTS can impact insurance rates.
Will the age of my Cadillac XTS affect the insurance cost?
Yes, the age of your Cadillac XTS can affect the insurance cost. Generally, newer vehicles tend to have higher insurance premiums due to their higher value and potentially costlier repairs or replacements. As the vehicle ages, its value decreases, which may result in lower insurance costs. However, other factors such as safety features, theft rates, and the model’s historical claims data can also influence insurance rates.
Can I save money on insurance for my Cadillac XTS by taking a defensive driving course?
Yes, taking a defensive driving course can potentially save you money on your Cadillac XTS insurance. Some insurance providers offer discounts to policyholders who have completed an approved defensive driving course. This course teaches drivers advanced techniques for safe driving and can help reduce the risk of accidents. Contact your insurance provider to inquire about available discounts and approved course providers.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed 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.