2016 Cadillac XTS Car Insurance Calculator

Learn how the choices you make impact the cost of car insurance for a 2016 Cadillac XTS. Modify options like driver's age, policy discounts, and trim level and watch how each affects your rate. Know immediately if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2016 Cadillac XTS is $1,784 per year, or about $149 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

$1,784

Cost Per Month

$149

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 2016 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.

$1,784
Average Rate
Your Rate
$1,784

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 2016 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 2016 Cadillac XTS is $1,784.

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.

2016 Cadillac XTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 Cadillac XTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XTS$1,784--
2Cadillac CTS$1,808$24
3Audi A5$1,876$92
4Lincoln MKS$1,908$124
5Cadillac CT6$1,924$140
6Kia K900$2,152$368
7Acura RLX$2,156$372
8Infiniti Q70L$2,162$378
9Mercedes-Benz CLS550$2,204$420
10Lexus GS 450$2,218$434
11Infiniti Q70$2,228$444
12Hyundai Equus$2,256$472
13Lexus LS 460$2,358$574
14Mercedes-Benz C63 AMG$2,434$650
15Cadillac CTS-V$2,440$656
16BMW 740i$2,482$698
17Jaguar XJ$2,498$714
18Mercedes-Benz E63 AMG$2,508$724
19BMW 650i$2,680$896
20Maserati Ghibli$2,684$900
2016 Large Luxury Car Average$2,713$929
21Jaguar XJ Super$2,752$968
22BMW 750i$2,772$988
23Audi RS 7$2,828$1,044
24Audi S8$2,856$1,072
25Lexus LS 600H$2,876$1,092
26Mercedes-Benz CLS63 AMG$2,878$1,094
27Mercedes-Benz S550$2,924$1,140
28Maserati Quattroporte$2,932$1,148
29Mercedes-Benz AMG$2,968$1,184
30Audi A8$3,014$1,230
31BMW Alpina B6$3,026$1,242
32Porsche Panamera$3,102$1,318
33Mercedes-Benz S63 AMG$3,330$1,546
34Mercedes-Benz S600$3,392$1,608
35Mercedes-Benz S65 AMG$3,910$2,126
36Mercedes-Benz S65$3,956$2,172
37Bentley Continental$4,024$2,240
38Bentley Mulsanne$4,798$3,014

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.

2016 XTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Cadillac XTS Insurance Rates by Trim Level
2016 Cadillac XTS Trim Level Annual Premium Cost Per Month
Luxury Collection Sedan$1,678$140
Sedan$1,678$140
Luxury Collection AWD$1,726$144
Premium Collection AWD$1,776$148
Premium Collection Sedan$1,776$148
Platinum Collection Sedan$1,822$152
VSport Premium Collection AWD$1,822$152
Platinum Collection AWD$1,872$156
VSport Platinum Edition AWD$1,920$160

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 2016 Cadillac XTS for different driver ages.

2016 Cadillac XTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,253$521
17$6,040$503
18$5,383$449
19$4,929$411
20$3,783$315
21$3,616$301
22$3,241$270
23$2,693$224
24$2,537$211
25$2,064$172
30$1,900$158
35$1,836$153
40$1,784$149
45$1,674$140
50$1,588$132
55$1,482$124
60$1,486$124
65$1,574$131
70$1,698$142
75$1,996$166
80$2,440$203

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.