Best Cadillac XTS Car Insurance Quotes (2023)

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.

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.

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.

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.

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.

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.

Compare Free Cadillac XTS Insurance Quotes Online

Save on your Cadillac XTS car insurance rates by taking advantage of our FREE comparison tool.