2014 Cadillac XTS Car Insurance Calculator

Observe in real-time how changes to driver risk factors and vehicle options influence insurance rates for a 2014 Cadillac XTS. Play around with factors like your location, homeowner status, credit score, and policy coverages. Get instant feedback if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2014 Cadillac XTS is $1,794 per year, or about $150 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

$1,794

Cost Per Month

$150

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 2014 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.

$1,794
Average Rate
Your Rate
$1,794

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 2014 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 2014 Cadillac XTS is $1,794.

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.

2014 Cadillac XTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2014 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.

2014 Cadillac XTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,718-$76
2Cadillac CTS$1,740-$54
3Cadillac XTS$1,794--
4Lincoln MKS$1,884$90
5Infiniti Q70$1,906$112
6Lexus GS 450$1,972$178
7Acura RLX$1,982$188
8Cadillac CTS-V$2,034$240
9Infiniti Q60$2,078$284
10Mercedes-Benz C63 AMG$2,080$286
11Hyundai Equus$2,088$294
12Lexus LS 460$2,134$340
13Mercedes-Benz CLS550$2,140$346
14BMW 740i$2,230$436
15Mercedes-Benz E63 AMG$2,240$446
16Jaguar XJ$2,260$466
17Maserati Ghibli$2,282$488
18Jaguar XJ Super$2,284$490
19Mercedes-Benz CLS63 AMG$2,324$530
20Audi A8$2,356$562
21BMW 750i$2,366$572
22Porsche Panamera$2,374$580
23BMW 650i$2,386$592
2014 Large Luxury Car Average$2,391$597
24BMW 750xi$2,394$600
25Lexus LS 600H$2,494$700
26Audi RS 7$2,508$714
27Mercedes-Benz CL550$2,606$812
28Audi S8$2,662$868
29Maserati Quattroporte$2,668$874
30BMW 760i$2,746$952
31Mercedes-Benz S550$2,790$996
32Mercedes-Benz S63 AMG$2,890$1,096
33Mercedes-Benz CL600$2,942$1,148
34Mercedes-Benz CL65 AMG$3,408$1,614
35Bentley Continental$3,426$1,632
36Bentley Mulsanne$3,874$2,080

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.

2014 XTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 Cadillac XTS Insurance Rates by Trim Level
2014 Cadillac XTS Trim Level Annual Premium Cost Per Month
Sedan$1,676$140
Luxury Collection Sedan$1,718$143
Luxury Collection AWD$1,760$147
Premium Collection Sedan$1,760$147
Premium Collection AWD$1,802$150
Platinum Collection AWD$1,844$154
Platinum Collection Sedan$1,844$154
TT Premium CollectionON AWD$1,844$154
TT Platinum Collection AWD$1,886$157

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 2014 Cadillac XTS for different driver ages.

2014 Cadillac XTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,536$545
17$6,291$524
18$5,554$463
19$5,086$424
20$3,873$323
21$3,693$308
22$3,292$274
23$2,726$227
24$2,566$214
25$2,080$173
30$1,900$158
35$1,846$154
40$1,794$150
45$1,682$140
50$1,598$133
55$1,492$124
60$1,494$125
65$1,592$133
70$1,738$145
75$2,068$172
80$2,556$213

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.