Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Cadillac XTS insurer costs by state:

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.

2019 Cadillac XTS

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2350
Allstate$2249
American Family$1943
Amica$2453
Country Financial$2311
Erie$1427
Farmers$1845
GEICO$1529
Kentucky Farm Bureau$2316
Liberty Mutual$2498
MAPFRE$2461
Mercury$2046
MetLife$2427
Nationwide$1390
Progressive$1354
Sentry$1588
Shelter$2167
State Farm$1635
Tennessee Farmers$2085
Texas Farm Bureau$1729
The Hanover$2319
Travelers$2276
USAA$1303

Compare all 2019 Cadillac XTS rates

Average Cost to Insure Per Year

$1952

List Price

$46795

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1420
Acuity$ 1420
Allied$ 1234
Allied$ 1234
Erie$ 1177
Erie$ 1177
GEICO$ 1628
GEICO$ 1628
Mercury$ 1391
Mercury$ 1391
Nationwide$ 1291
Nationwide$ 1291
Plymouth Rock Insurance$ 1576
Plymouth Rock Insurance$ 1576
Progressive$ 1534
Progressive$ 1534
State Farm$ 1592
State Farm$ 1592
Tennessee Farmers$ 1278
Tennessee Farmers$ 1278
USAA$ 1340
USAA$ 1340
Vermont Mutual$ 1422
Vermont Mutual$ 1422

Compare all 2018 Cadillac XTS rates

Average Cost to Insure Per Year

$1920

List Price

$46395

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1407
Acuity$ 1407
Allied$ 1265
Allied$ 1265
Country$ 1525
Country$ 1525
Erie$ 1132
Erie$ 1132
GEICO$ 1289
GEICO$ 1289
Mercury$ 1358
Mercury$ 1358
Nationwide$ 1302
Nationwide$ 1302
Progressive$ 1433
Progressive$ 1433
State Farm$ 1366
State Farm$ 1366
Tennessee Farmers$ 1289
Tennessee Farmers$ 1289
USAA$ 1493
USAA$ 1493
Vermont Mutual$ 1364
Vermont Mutual$ 1364

Compare all 2017 Cadillac XTS rates

Average Cost to Insure Per Year

$ 1660

List Price

$ 45595

Trims Available

Standard - Luxury - Premium Luxury - Platinum

2016 Cadillac XTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1388
Acuity$ 1388
Allied$ 1266
Allied$ 1266
Erie$ 1048
Erie$ 1048
GEICO$ 1246
GEICO$ 1246
Mercury$ 1340
Mercury$ 1340
Nationwide$ 1298
Nationwide$ 1298
Plymouth Rock Insurance$ 1470
Plymouth Rock Insurance$ 1470
Progressive$ 1384
Progressive$ 1384
State Farm$ 1422
State Farm$ 1422
Tennessee Farmers$ 1253
Tennessee Farmers$ 1253
USAA$ 1387
USAA$ 1387
Vermont Mutual$ 1356
Vermont Mutual$ 1356

Compare all 2016 Cadillac XTS rates

Average Cost to Insure Per Year

$ 1580

List Price

$ 45295

Trims Available

Standard - Luxury - Premium - Platinum

2015 Cadillac XTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1403
Acuity$ 1403
Allied$ 1269
Allied$ 1269
Erie$ 987
Erie$ 987
GEICO$ 1220
GEICO$ 1220
Mercury$ 1323
Mercury$ 1323
Nationwide$ 1308
Nationwide$ 1308
Plymouth Rock Insurance$ 1419
Plymouth Rock Insurance$ 1419
Progressive$ 1307
Progressive$ 1307
State Farm$ 1168
State Farm$ 1168
Tennessee Farmers$ 1415
Tennessee Farmers$ 1415
USAA$ 1348
USAA$ 1348
Vermont Mutual$ 1391
Vermont Mutual$ 1391

Compare all 2015 Cadillac XTS rates

Average Cost to Insure Per Year

$ 1488

List Price

$ 44600

Trims Available

Standard - Luxury - Premium - Platinum - Premium Collection

2014 Cadillac XTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1452
Acuity$ 1452
Allied$ 1256
Allied$ 1256
Erie$ 935
Erie$ 935
GEICO$ 1431
GEICO$ 1431
Mercury$ 1309
Mercury$ 1309
Nationwide$ 1352
Nationwide$ 1352
Plymouth Rock Insurance$ 1386
Plymouth Rock Insurance$ 1386
Progressive$ 1319
Progressive$ 1319
State Farm$ 1304
State Farm$ 1304
Tennessee Farmers$ 1563
Tennessee Farmers$ 1563
USAA$ 1317
USAA$ 1317
Vermont Mutual$ 1510
Vermont Mutual$ 1510

Compare all 2014 Cadillac XTS rates

Average Cost to Insure Per Year

$ 1565

List Price

$ 44600

Trims Available

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

2013 Cadillac XTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1241
Acuity$ 1241
Allied$ 1228
Allied$ 1228
Erie$ 838
Erie$ 838
GEICO$ 1066
GEICO$ 1066
Mercury$ 1312
Mercury$ 1312
Nationwide$ 1306
Nationwide$ 1306
Plymouth Rock Insurance$ 1344
Plymouth Rock Insurance$ 1344
Progressive$ 1380
Progressive$ 1380
State Farm$ 1187
State Farm$ 1187
Tennessee Farmers$ 1264
Tennessee Farmers$ 1264
USAA$ 1194
USAA$ 1194
Vermont Mutual$ 1177
Vermont Mutual$ 1177

Compare all 2013 Cadillac XTS rates

Average Cost to Insure Per Year

$ 1421

List Price

$ 44075

Trims Available

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