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What is the Best Car Insurance for a Cadillac XTS?

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 $1,574 per year or $131 per month for full coverage insurance. Cadillac XTS teen drivers have insurance rates of $479 month. Continue reading through this guide to see how you can eligible for policy discounts.

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

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Cadillac XTS Insurance Cost

The average Cadillac XTS auto 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 E300, Cadillac CT6, and Audi A6.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz E300 $394 $744 $338 $1,612
Cadillac CT6 $382 $774 $398 $1,712
Audi A6 $382 $744 $398 $1,682
Acura TLX $332 $686 $398 $1,574
Porsche Panamera $520 $1042 $398 $2,118
Lexus GS 300 $344 $656 $338 $1,474
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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?

You might have noticed that there is a multitude of factors that impact Cadillac XTS auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Cadillac XTS.

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 Cadillac XTS auto insurance rates. For example, 20-year-old drivers pay $1,925 more for their Cadillac XTS auto insurance each year 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 $866 a year more than drivers in Phoenix.

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 auto insurance with violations on their driving record.

Cadillac XTS Safety Ratings

Your Cadillac XTS auto insurance rates are tied to the safety ratings of the Cadillac XTS. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
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

The crash test ratings of the Cadillac XTS can impact your 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

Cadillac XTS safety features can lower the cost of your insurance. The safety features for the 2020 Cadillac XTS 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 between different coverage types. The lower percentage means lower Cadillac XTS auto insurance costs; higher percentages mean higher Cadillac XTS auto insurance costs.

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 rates from the best companies using our FREE tool below.

5 Ways to Save on Cadillac XTS Insurance

Although it may seem like your Cadillac XTS auto insurance rates are set, there are a few measures that you can take to secure the best Cadillac XTS auto insurance rates possible. Take a look at the following five ways to save on Cadillac XTS auto insurance.

  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Drive Your Cadillac XTS Safely
  • Buy Winter Tires for Your Cadillac XTS
  • Save Money on Young Driver Cadillac XTS Insurance Rates By Mentioning Grades or GPA
  • Remove Unnecessary Insurance Once Your Cadillac XTS is Paid Off

Top Cadillac XTS Insurance Companies

The best auto insurance companies for Cadillac XTS auto insurance rates will offer competitive rates, discounts, and account for the Cadillac XTS’s safety features. The following list of auto 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 insurance from some of the top auto insurance companies by using our free online tool today.

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