2013 Cadillac XTS Car Insurance Calculator

Discover and learn how different factors impact the insurance cost for a 2013 Cadillac XTS. Tailor settings like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see if the changes you make raise or lower the cost of insurance.

The average estimated car insurance premium for a 2013 Cadillac XTS is $1,632 per year, or about $136 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

$1,632

Cost Per Month

$136

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 2013 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.

$1,632
Average Rate
Your Rate
$1,632

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.

The 'Average Rate' is a combined value for all 2013 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 2013 Cadillac XTS is $1,632.

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.

2013 Cadillac XTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2013 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.

2013 Cadillac XTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,592-$40
2Cadillac CTS$1,608-$24
3Cadillac XTS$1,632--
4Lincoln MKS$1,712$80
5Cadillac CTS-V$1,838$206
6Lexus GS 450$1,912$280
7Infiniti M56$1,938$306
8Lexus LS 460$1,940$308
9Hyundai Equus$1,952$320
10Mercedes-Benz CLS550$1,992$360
11Mercedes-Benz E63 AMG$2,100$468
12BMW 750xi$2,126$494
13BMW 740i$2,134$502
14Jaguar XJ$2,160$528
15Mercedes-Benz C63 AMG$2,206$574
16BMW 650i$2,244$612
17Jaguar XJ Super$2,248$616
18Mercedes-Benz CLS63 AMG$2,322$690
2013 Large Luxury Car Average$2,329$697
19Lexus LS 600H$2,352$720
20Audi S8$2,378$746
21BMW 750i$2,386$754
22Mercedes-Benz S550$2,390$758
23Porsche Panamera$2,440$808
24Audi A8$2,442$810
25Mercedes-Benz CL550$2,468$836
26Maserati Quattroporte$2,474$842
27Mercedes-Benz S63 AMG$2,590$958
28BMW 760i$2,606$974
29Mercedes-Benz S600$2,806$1,174
30Mercedes-Benz CL600$2,820$1,188
31Mercedes-Benz S65 AMG$3,112$1,480
32Mercedes-Benz CL65 AMG$3,218$1,586
33Bentley Continental$3,244$1,612
34Bentley Mulsanne$3,806$2,174

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.

2013 XTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 Cadillac XTS Insurance Rates by Trim Level
2013 Cadillac XTS Trim Level Annual Premium Cost Per Month
Sedan$1,548$129
Luxury Collection Sedan$1,586$132
Luxury Collection AWD$1,626$136
Premium Collection Sedan$1,626$136
Platinum Collection Sedan$1,668$139
Premium Collection AWD$1,668$139
Platinum Collection AWD$1,708$142

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 2013 Cadillac XTS for different driver ages.

2013 Cadillac XTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,812$484
17$5,604$467
18$4,977$415
19$4,555$380
20$3,485$290
21$3,327$277
22$2,977$248
23$2,468$206
24$2,328$194
25$1,890$158
30$1,736$145
35$1,680$140
40$1,632$136
45$1,534$128
50$1,456$121
55$1,358$113
60$1,362$114
65$1,446$121
70$1,568$131
75$1,850$154
80$2,270$189

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.