Cadillac XTS Insurance Cost Estimate [Rates + Comparison Guide]

Insurance rates for a Cadillac XTS average $1,574 a year, or around $131 a month. On average, comprehensive coverage costs $383, collision coverage costs $560, and liability coverage costs $444 for Cadillac XTS insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 22, 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

Cadillac XTS car insurance rates cost about $55 more than the average vehicle. Most drivers will end up spending around $1,574 a year or $131 each month for Cadillac XTS insurance rates. Learn all about what factors ultimately influence Cadillac XTS rates in this comprehensive article.

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 auto insurance costs 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 Audi A7, Lexus ES 350, and Audi A8.

Vehicle Comprehensive Collision Liability Total
Audi A7 $406 $834 $398 $1,796
Lexus ES 350 $362 $656 $316 $1,470
Audi A8 $464 $900 $390 $1,912
Jaguar XE $382 $774 $398 $1,712
Acura TLX $332 $686 $398 $1,574
Lexus IS 350 $344 $686 $398 $1,586
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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 will affect 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, 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
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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 $226 a year more than drivers in Houston.

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 car insurance with violations on their driving record.

Cadillac XTS Safety Ratings

The Cadillac XTS’s safety ratings will affect your Cadillac XTS car insurance rates. See the chart 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

Not only do good Cadillac XTS crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper 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
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Cadillac XTS Safety Features

Good Cadillac XTS safety features can result in insurers giving you car insurance discounts. The safety features for the 2019 Cadillac XTS are:

  • 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

Insurance loss probability on the Cadillac XTS fluctuates between each type of coverage. The lower percentage means lower Cadillac XTS car insurance rates; higher percentages mean higher Cadillac XTS auto 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

When 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 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Cadillac XTS Insurance

Save more on your Cadillac XTS car insurance rates. Take a look at the following five strategies that will get you the best Cadillac XTS auto insurance rates possible.

  • Park Your Cadillac XTS Somewhere Safe – like a Garage or Private Driveway
  • Buy An Older Cadillac XTS
  • Use an Accurate Job Title When Requesting Cadillac XTS Auto Insurance
  • Ask About Usage-Based Insurance for Your Cadillac XTS
  • Install an Aftermarket Anti-Theft Device for Your Cadillac XTS

Top Cadillac XTS Insurance Companies

The best auto insurance companies for Cadillac XTS car insurance rates will offer competitive rates, discounts, and account for the Cadillac XTS’s safety features. The following list of car 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
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Compare Free Cadillac XTS Insurance Quotes Online

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.

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