Compare Cadillac XTS Insurance Rates [Everything You Need to Know]

Cadillac XTS insurance rates cost $1,574 a year, or $131 a month on average. Comprehensive, collision, and liability insurance cost around $383, $560, and $444, respectively. Cadillac XTS insurance costs around $55 more per year than the average vehicle. However, good drivers can save up to $649 a year on these costs by earning policy discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 insurance rates are $131 per month for full coverage. You can save more money by enrolling in liability-only coverage. Teen drivers, however, have Cadillac XTS insurance rates that cost around $500. Continue reading to learn how you can slash those expensive Cadillac XTS insurance rates.

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

Cadillac XTS Insurance Cost

The average auto insurance rates for a Cadillac XTS cost $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 Cadillac CTS-V, Porsche Panamera, and Audi A4.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS-V $406 $804 $338 $1,684
Porsche Panamera $520 $1042 $398 $2,118
Audi A4 $332 $656 $398 $1,544
Mercedes-Benz C300 $404 $718 $372 $1,652
Audi A6 $382 $744 $398 $1,682
Audi S6 $444 $894 $398 $1,894
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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 auto insurance coverage.

Age of the Vehicle

Older Cadillac XTS models generally cost less to insure. For example, auto 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 impact on the cost of Cadillac XTS auto insurance. For example, 20-year-old drivers pay as much as $1,994 more each year for their Cadillac XTS auto 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 $583 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on your Cadillac XTS insurance rates. 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 insurance rates are tied to the Cadillac XTS’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Cadillac XTS Crash Test Ratings

Good Cadillac XTS crash test ratings can lower your Cadillac XTS insurance rates. See Cadillac XTS crash test results below:

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 safety features of the Cadillac XTS can impact your Cadillac XTS insurance rates. The Cadillac XTS has the following safety features:

  • 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

Another contributing factor that affects Cadillac XTS insurance rates is the loss probability for each type of coverage.

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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5 Ways to Save on Cadillac XTS Insurance

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

  • Avoid the Temptation to File a Claim for Minor Incidents
  • Pay Your Cadillac XTS Insurance Upfront
  • Audit Your Cadillac XTS Driving When You Move to a New Location or Start a New Job
  • Reduce Modifications on Your Cadillac XTS
  • Ask for a Cadillac XTS Discount If You Have College Degree or Higher

Top Cadillac XTS Insurance Companies

Several top auto insurance companies offer competitive rates for the Cadillac XTS rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Cadillac XTS drivers organized by 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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