Cadillac XTS Car Insurance Calculator

Get instant feedback how changes to different risk factors impact the insurance cost for a Cadillac XTS. Customize liability limits, policy deductibles, driver age, and policy discounts to learn how each affects rates. Instantly know how much rates change and learn why.

The average estimated car insurance premium for a 2019 Cadillac XTS is $2,258 per year, or about $188 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,258

Cost Per Month

$188

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Cadillac XTS Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Cadillac XTS.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,258
Average Rate
Your Rate
$2,258

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Cadillac XTS.

The 'Average Rate' is a combined value for all Cadillac XTS trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2019 Cadillac XTS is $2,258.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2019 Cadillac XTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2019 Cadillac XTS against all other models in the large luxury car segment. The Cadillac XTS is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Cadillac XTS, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Cadillac XTS.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 Cadillac XTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CTS$2,124-$134
2Lincoln Continental$2,156-$102
3Audi A5$2,166-$92
4Cadillac CT6$2,220-$38
5Cadillac XTS$2,258--
6Volvo S90$2,358$100
7Infiniti Q70$2,436$178
8Acura RLX$2,512$254
9Infiniti Q60$2,614$356
10Lexus LS 500$2,644$386
11Lexus LS 500H$2,654$396
12Mercedes-Benz AMG E53$2,664$406
13Genesis G90$2,744$486
14Kia K900$2,784$526
15Mercedes-Benz AMG CLS53$2,796$538
16Cadillac CTS-V$2,810$552
17Mercedes-Benz S450$2,854$596
18Jaguar XJ$2,870$612
19BMW 740e$2,956$698
20BMW 740i$2,976$718
2019 Large Luxury Car Average$2,981$723
21BMW 650i$3,002$744
22BMW M850i$3,010$752
23Mercedes-Benz E63 AMG$3,210$952
24Audi A8$3,218$960
25Mercedes-Benz S560$3,228$970
26BMW 750i$3,234$976
27Porsche Panamera$3,394$1,136
28BMW M760i$3,870$1,612
29Mercedes-Benz AMG S63$3,958$1,700
30Mercedes-Benz S65 AMG$4,972$2,714
31Bentley Mulsanne$5,734$3,476

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2019 XTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 Cadillac XTS.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2019 Cadillac XTS Insurance Rates by Trim Level
2019 Cadillac XTS Trim Level Annual Premium Cost Per Month
Sedan$2,116$176
Luxury AWD$2,176$181
Luxury Sedan$2,176$181
Premium Luxury AWD$2,236$186
Premium Luxury Sedan$2,236$186
Platinum AWD$2,354$196
Platinum Sedan$2,354$196
Platinum V-Sport AWD$2,414$201

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2019 Cadillac XTS for different driver ages.

2019 Cadillac XTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,970$664
17$7,749$646
18$7,003$584
19$6,353$529
20$4,881$407
21$4,658$388
22$4,178$348
23$3,412$284
24$3,233$269
25$2,624$219
30$2,414$201
35$2,316$193
40$2,258$188
45$2,106$176
50$1,994$166
55$1,864$155
60$1,870$156
65$1,990$166
70$2,138$178
75$2,504$209
80$3,080$257

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Cadillac XTS trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Cadillac XTS.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Cadillac XTS Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2019 Cadillac XTS$2,258$188
2018 Cadillac XTS$2,130$178
2017 Cadillac XTS$1,896$158
2016 Cadillac XTS$1,784$149
2015 Cadillac XTS$1,830$153
2014 Cadillac XTS$1,794$150
2013 Cadillac XTS$1,632$136

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Cadillac XTS trim levels for each model year.