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Cadillac XTS Car Insurance Cost

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Looking for a used Cadillac XTS? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Cadillac XTS insurance facts

  • Average full coverage auto insurance premium: $162/month

  • Most affordable companies: USAA ($108/month) & Progressive ($114/month)

  • XTS insurance cost vs. average rates: $17 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Cadillac XTS by model year and auto insurer.

Below average Cadillac XTS insurer costs by state:

How much does it cost to insure my Cadillac XTS?

Select the year of your car:

2019 Cadillac XTS

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Average Cost to Insure Per Year

$1,952

List Price

$46,795

Trims Available

Standard - Luxury - Premium Luxury - Platinum - Platinum V-Sport - Engine: front-wheel drive and a 304-hp V-6 - Driver Awareness Package as well as Front and Rear Automatic Braking, Full Speed Range Adaptive Cruise Control - rear cross-traffic alert and a full-color head-up display - Standard active-safety features - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags

2018 Cadillac XTS

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Average Cost to Insure Per Year

$1,920

List Price

$46,395

Trims Available

Standard - Luxury - Premium Luxury - Platinum - Platinum V-Sport - Engine: front-wheel drive and a 304-hp V-6 - Driver Awareness Package as well as Front and Rear Automatic Braking, Full Speed Range Adaptive Cruise Control - rear cross-traffic alert and a full-color head-up display - Standard active-safety features - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags

2017 Cadillac XTS

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Average Cost to Insure Per Year

$1,660

List Price

$45,595

Trims Available

Standard - Luxury - Premium Luxury - Platinum

2016 Cadillac XTS

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Average Cost to Insure Per Year

$1,580

List Price

$45,295

Trims Available

Standard - Luxury - Premium - Platinum

2015 Cadillac XTS

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Average Cost to Insure Per Year

$1,488

List Price

$44,600

Trims Available

Standard - Luxury - Premium - Platinum - Premium Collection

2014 Cadillac XTS

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Average Cost to Insure Per Year

$1,565

List Price

$44,600

Trims Available

3.6L V6 - Livery - Luxury Collection - Premium Collection - Platinum Collection

2013 Cadillac XTS

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Average Cost to Insure Per Year

$1,421

List Price

$44,075

Trims Available

3.6L V6 - Livery - Luxury Collection - Premium Collection - Platinum Collection

Risk factors affecting Cadillac XTS car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Cadillac XTS car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Cadillac models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Cadillac Luxury Automobile Brand

Cadillac is a division of the American auto manufacturer General Motors (GM) and top of the luxury field within the United States market. The target market of Cadillac is customers that demand refinement, high-end design, and features. All Cadillac automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Cadillac XT4, XT5, and CTS are some of their most popular vehicles.

Higher than average Cadillac XTS repair costs equal higher coverage rates

Many consumers are attracted to Cadillac's luxury, refinement, high-end features, safety, and driver-assist technologies, like Cadillac's Super Cruise hands-free driving. Automotive parts are not as common as more popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Cadillac is above average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Cadillacs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for XTS affecting auto insurance rates

Another factor to consider for luxury Cadillac's is they depreciate rapidly, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Cadillac models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower auto rates for drivers

Cadillacs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies or Cadillac's Super Cruise "hands-free driving" technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for Cadillac models. The Cadillac XT6 is the Insurance Institute for Highway Safety (IIHS) "Top Safety Pick," and the NHTSA consistently gives Cadillac automobiles top safety ratings each year, lowering your insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Cadillac automobile owners when buying a car insurance policy.

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