Best Cadillac XTS Car Insurance Quotes (2024)
Cadillac XTS Insurance costs are $131/mo or $1,574/yr. Cadillac XTS insurance costs are $55 more per year than the average vehicle, and for teenagers, Cadillac XTS insurance costs are the most expensive at $479.40/mo or $5,753/yr.
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
Cadillac XTS insurance rates are about $55 a year than the average vehicle, with full coverage costing around $1,574 a year or $131 a month. Liability-only coverage may be all you need for an older Cadillac XTS, and that will only set you back around $631 a year or $53 a month. Good drivers can save up to $649 a year for staying claim-free. Let’s look at Cadillac XTS insurance, safety ratings, and more.
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 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, Chevrolet Corvette, and Audi S7.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
| Chevrolet Corvette | $494 | $922 | $264 | $1,790 |
| Audi S7 | $532 | $1,250 | $398 | $2,338 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Audi A4 | $332 | $656 | $398 | $1,544 |
| Porsche Panamera | $520 | $1,042 | $398 | $2,118 |
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 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 impact on Cadillac XTS auto insurance rates. For example, 20-year-old drivers pay approximately $1,925 more each year for their Cadillac XTS auto insurance than 30-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 $1,354 a year more than drivers in Indianapolis.
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 car insurance rates are tied to the safety ratings of the Cadillac XTS. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| 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
Good Cadillac XTS crash test ratings mean the VW is safer, which could mean cheaper 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
Having a variety of safety features on your Cadillac XTS can help lower your Cadillac XTS insurance costs. 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 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Cadillac XTS Insurance
You can save more money on your Cadillac XTS auto insurance rates by employing any of the following five strategies.
- Ask About Cadillac XTS Safety Discounts
- Avoid the Temptation to File a Claim for Minor Incidents
- Ask About Discounts for People with Disabilities
- Get Cadillac XTS Auto Insurance Through Costco
- Move to an Area with Better Weather
Top Cadillac XTS Insurance Companies
Several top car 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 car 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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Frequently Asked Questions
What is the average cost of insurance for a Cadillac XTS?.
The average cost of insurance for a Cadillac XTS is $1,574 per year or $131 per month. However, this cost can vary based on factors like the vehicle’s age, model and trim, driver age, location and driving record. It’s important to compare quotes from multiple insurance companies to get the best rates
Is it possible to find cheap insurance rates for a Cadillac XTS?
Yes, it is possible to find cheap insurance rates for a Cadillac XTS, but it largely depends on factors such as your driving history, location, and other personal details. To find the best insurance rates for your Cadillac XTS, it is recommended to shop around and compare quotes from different insurance providers.
What is the difference in insurance rates between liability-only coverage and full coverage for a Cadillac XTS?
Liability-only coverage is less expensive than full coverage because it only covers damages and injuries to others in an accident
Full coverage includes comprehensive and collision coverage to protect the insured’s vehicle as well. However, it’s important to weigh the potential savings against the additional protection offered by full coverage before making a decision.
Are there any safety features on a Cadillac XTS that can lower insurance rates?
Yes, there are several safety features on a Cadillac XTS that can lower insurance rates. Eight of the safety features that can help reduce insurance rates include:
- Adaptive cruise control
- Lane departure warning
- Forward collision warning
- Automatic emergency braking
- Blind-spot monitoring
- Rear cross-traffic alert
- Front and rear parking sensors
- Rearview camera
These safety features can help prevent accidents and reduce the severity of collisions, which can lower the risk of injury and damage to the vehicle, thus lowering the insurance rates.
How do I file an insurance claim for my Cadillac XTS in case of an accident?
If you’re involved in an accident with your Cadillac XTS, follow these seven steps to file an insurance claim:
- First and foremost, make sure everyone involved in the accident is safe and call for medical assistance if necessary.
- Call your insurance company to report the accident as soon as possible, even if you are not at fault. Provide them with all the necessary information, including your policy number and the details of the accident.
- Take pictures of the damage to your car and any other vehicles involved, as well as any injuries sustained by you or other passengers.
- If the police were called to the scene, get a copy of the accident report.
- Get the contact and insurance information of the other driver(s) involved in the accident.
- Follow up with your insurance company to ensure that they have received all the necessary information and to get an estimate for repairs.
- Work with your insurance company to have your car repaired at a licensed repair facility.
Keep in mind that the claims process may vary depending on your insurance company and the details of the accident.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Eric Stauffer
Founder & Former Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the...
Founder & Former Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.