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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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The average Cadillac XTS auto insurance rates are $1,574 a year or $131 a month.
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 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
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.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
Cadillac XTS safety features can lower the cost of your insurance. The safety features for the 2020 Cadillac XTS include:
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 | |
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.
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.
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 | |||
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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