Cadillac XTS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Cadillac XTS as the average car.
• Liability car insurance for a XTS averages about $91 a month, while full coverage generally runs around $179 monthly.
• WesternStar offers the lowest average rates for a XTS with liability only coverage offered for as little as $34 per month.

XTS Overview

The Cadillac XTS is a great choice for a mid-level car, with 2019 models starting at $46,795. There are five different trim levels currently offered, so every driver can find an option to match their style.

After analyzing thousands of auto insurance quotes through Compare.com, we've determined that, on average, Cadillac XTS insurance rates run about $166 monthly. But how does that compare to other cars on the market?

How Much is Car Insurance for a Cadillac XTS?

If you look at the table above, you'll find that auto insurance premiums for a Cadillac XTS are around average compared to other vehicles on the road. XTS owners can expect to pay about $91 a month for liability insurance, and around $179 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

When you compare it to other Cadillac models, the XTS is slightly more expensive, with prices more than 5% higher than the rest of the company's vehicle offerings. Compared to offerings from other brands, insurance for a XTS is similarly on the expensive side, with full coverage insurance premiums coming in about 1% more and 10% more for liability only insurance.

When compared to all vehicles, regardless of model, body style, or make, car insurance rates for both liability only and full coverage policies run higher than average.

Who has the Cheapest Car Insurance for a Cadillac XTS?

If you're searching for an auto insurance policy for a Cadillac XTS, you're probably most interested in which company offers the cheapest rates. While there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $28 a month from Mapfre. The next most affordable company is WesternStar, who offers auto insurance sometimes as cheap as $34 a month.

MetroMile, Hallmark, and Encompass round out the end of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since insurance companies look at a range of things when calculating rates. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from quite a few car insurance carriers.

What Factors Affect Car Insurance Rates for a Cadillac XTS?

As we mentioned above, there are a wide array of factors that auto insurance companies reference to decide how much they charge you -- and each carrier weighs different variables more heavily than others, so there's not one company that's the cheapest for every driver.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Cadillac XTS has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and XTSs begin to depreciate, insurance costs will gradually get lower.

Based on the above table, the Cadillac XTS does not follow this trend, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest XTSs are 4 to 5 years old.

Your Age

Age is another factor that plays a role in how much insurance carriers will charge for a policy. Based on the information above, young XTS drivers have higher prices than those who have more experience on the road. In this case, drivers aged 18 to 24 pay $49 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the XTS.

Your Gender

Women usually to pay less for auto insurance than men. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. The Cadillac XTS is no different, and women pay around $29 less than men monthly for car insurance.

Where You Live

You might already know that factors like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live matters, too? Because car insurance is regulated on a state-by-state basis, prices can change quite a bit from state to state.

For example, the average Cadillac XTS driver in New York pays about $205 a month for liability coverage. Meanwhile, the same owner from California will pay only a quarter of that price, on average. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change depending on where you live.

Cadillac XTS Car Insurance Discounts

Regardless of your car, your home state, or your age, using as many discounts as possible when it comes to your auto insurance is always in your best interest when shopping around for a new policy.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than in monthly installments

However, discounts aren't the only way to save. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Even though you may not have control of every variable car insurance companies take into account to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the things you can use to your favor when it comes to saving money:

Your Driving Record

It's no secret that insurance carriers offer the most affordable prices to drivers with clean records. And you're probably not surprised to hear that if you get tickets for speeding or get into a collision, auto insurance rates will go up. But you still might be left wondering exactly how much collisions and moving violations will cost you.

You can see from the table above that accidents will usually cost XTS drivers less than tickets, but both will result in higher than normal rates. Cadillac XTS drivers with a single accident on their record pay about $85 every month, while drivers with one ticket will pay an average of $102 monthly. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor that affects your car insurance prices is the total distance you drive. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll typically end up spending less on auto insurance. Above, you can see that Cadillac XTS owners who drive 10,000 miles or more pay $111 for insurance, while those who drive fewer than 2,500 miles each year pay an average of $88 per month.

But if you happen to be one of those drivers who put very few miles on your Cadillac XTS each year, it may be worth getting pay-per-mile or usage-based auto insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Cadillac XTSs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Cadillac XTS is on your shortlist, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Cadillac XTS compares:

Overall, the Cadillac XTS has an average MSRP and is on par with the going rate for a new vehicle. The national average vehicle MSRP is $46,074, and the XTS comes in close to that at $46,795.

But while the purchase price runs about average, insurance premiums run slightly below average when compared to other vehicles on the market. Liability insurance for a Cadillac XTS is around $13 per month less than average, while full coverage is $2 less monthly.

When it comes to usage, Cadillac XTS drivers are much higher than the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the XTS's 16,719 a year.

Cadillac XTS Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much you might pay for car insurance. If you're thinking about buying a new vehicle and the XTS is one you're considering, knowing what you can expect to pay is extremely valuable as you weigh your choices.

2019 Cadillac XTS Car Insurance

The average cost to insure a 2019 Cadillac XTS with liability only coverage is $68 per month, while full coverage runs about $167 a month.

Looking for the cheapest policy? Clearcover offered liability only coverage for sometimes as little as $34 per month.

Want to know exactly what your car insurance rate will be? Get lots of personalized quotes for free by just entering your ZIP code below.

2018 Cadillac XTS Car Insurance

2018 XTS drivers can expect to pay an average of $133 monthly for liability or $235 for full coverage.

If you're looking for the most affordable 2018 Cadillac XTS insurance policy, Gainsco offered the lowest policy we found, with rates as low as just $31 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2017 Cadillac XTS Car Insurance

It costs around $94 per month for liability or $199 for a full coverage policy for the 2017 Cadillac XTS.

With premiums as little as just $33 a month, Gainsco offered the most affordable policy we found for the 2017 Cadillac XTS.

While these are good estimates of what the average driver might pay to insure a 2017 Cadillac XTS, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2016 Cadillac XTS Car Insurance

You can expect full coverage for a 2016 XTS to run about $164 monthly, while liability only coverage will average around $81 a month.

With premiums as cheap as just $20 monthly, Infinity offered the cheapest policy we found.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get several free customized quotes.

2015 Cadillac XTS Car Insurance

On average, drivers who own a 2015 Cadillac XTS can expect to pay $73 to $174 per month for liability only and full coverage auto insurance, respectively.

Hallmark offered the most affordable policy we found, with rates as cheap as $20 a month.

If you want to know exactly how much you can expect to pay for your XTS, get free quotes in minutes by just entering your ZIP code below.

2014 Cadillac XTS Car Insurance

2014 XTS drivers can expect to pay an average of $120 monthly for liability or $168 for full coverage.

We found Clearcover offered the lowest policy, with rates sometimes as low as $26 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

2013 Cadillac XTS Car Insurance

The average cost to insure a 2013 Cadillac XTS with liability only coverage is $77 a month, while full coverage runs about $174 per month.

Hugo has prices as low as $16 monthly for the 2013 Cadillac XTS.

Interested in what your car insurance price could look like? Just enter your ZIP code below to get a variety of customized quotes for free.

Cadillac XTS Insurance FAQs

Is a Cadillac XTS expensive to insure?

The cost of insurance for the Cadillac XTS is about on par with the average vehicle. Liability insurance runs an average of $91 a month, while full coverage will cost you around $179.

How can I get the best price on car insurance for my Cadillac XTS?

The only way to ensure you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from a whole range of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Cadillac XTS affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually a myth. Although there are many factors car insurance companies look at when they decide your auto insurance rate, the color of your vehicle is not used to make that determination.

Do I need to have insurance before I buy a Cadillac XTS?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new car is to talk with your insurance carrier beforehand.

What car insurance discounts can I get for my Cadillac XTS?

You will find all sorts of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the Cadillac XTS you drive, but if your XTS has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, get in touch with your insurance company and ask about their list of discounts, since they differ quite a bit from company to company.