2017 Cadillac XTS Car Insurance Calculator

Understand how changing risk factors affect the cost of insurance for a 2017 Cadillac XTS. Customize rate factors like XTS trim level, driving record, policy coverages, and annual miles driven. Instantly see if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2017 Cadillac XTS is $1,896 per year, or about $158 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

$1,896

Cost Per Month

$158

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 2017 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.

$1,896
Average Rate
Your Rate
$1,896

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 2017 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 2017 Cadillac XTS is $1,896.

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.

2017 Cadillac XTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2017 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.

2017 Cadillac XTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,848-$48
2Audi A5$1,854-$42
3Cadillac XTS$1,896--
4Cadillac CTS$1,920$24
5Cadillac CT6$2,054$158
6Volvo S90$2,152$256
7Infiniti Q70$2,228$332
8Acura RLX$2,294$398
9Mercedes-Benz CLS550$2,336$440
10Lexus GS 450$2,388$492
11Mercedes-Benz C63 AMG$2,434$538
12Jaguar XJ$2,456$560
13Infiniti Q60$2,478$582
14Kia K900$2,490$594
15Mercedes-Benz E63 AMG$2,520$624
16Cadillac CTS-V$2,542$646
17Genesis G90$2,566$670
18Lexus LS 460$2,606$710
19BMW 740e$2,616$720
20BMW 740i$2,668$772
21BMW 650i$2,742$846
22Maserati Ghibli$2,856$960
23Porsche Panamera$2,896$1,000
24Jaguar XJ Super$2,908$1,012
25Mercedes-Benz CLS63 AMG$2,916$1,020
2017 Large Luxury Car Average$2,954$1,058
26Audi A8$3,014$1,118
27BMW 750i$3,084$1,188
28BMW Alpina B6$3,096$1,200
29Maserati Quattroporte$3,104$1,208
30Audi RS 7$3,108$1,212
31Mercedes-Benz S550$3,184$1,288
32Audi S8$3,200$1,304
33Mercedes-Benz AMG$3,204$1,308
34BMW M760xi$3,490$1,594
35Mercedes-Benz S63 AMG$3,612$1,716
36Mercedes-Benz S600$3,628$1,732
37Mercedes-Benz AMG S63$3,748$1,852
38Bentley Flying Spur$4,100$2,204
39Mercedes-Benz S65 AMG$4,228$2,332
40Mercedes-Benz S65$4,312$2,416
41Mercedes-Benz AMG S65$4,412$2,516
42Bentley Continental$4,416$2,520
43Bentley Mulsanne$5,426$3,530

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.

2017 XTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 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.

2017 Cadillac XTS Insurance Rates by Trim Level
2017 Cadillac XTS Trim Level Annual Premium Cost Per Month
Luxury Collection Sedan$1,778$148
Sedan$1,778$148
Luxury Collection AWD$1,832$153
Premium Collection AWD$1,884$157
Premium Collection Sedan$1,884$157
Platinum Collection Sedan$1,936$161
VSport Premium Collection AWD$1,936$161
Platinum Collection AWD$1,988$166
VSport Platinum Edition AWD$2,042$170

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 2017 Cadillac XTS for different driver ages.

2017 Cadillac XTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,646$554
17$6,431$536
18$5,754$480
19$5,253$438
20$4,034$336
21$3,854$321
22$3,454$288
23$2,859$238
24$2,699$225
25$2,194$183
30$2,020$168
35$1,948$162
40$1,896$158
45$1,772$148
50$1,684$140
55$1,570$131
60$1,572$131
65$1,670$139
70$1,800$150
75$2,114$176
80$2,588$216

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.