2018 Cadillac XTS Car Insurance Calculator

Find out how different driver and vehicle factors impact the cost of car insurance for a 2018 Cadillac XTS. Customize factors such as driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2018 Cadillac XTS is $2,130 per year, or about $178 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

$2,130

Cost Per Month

$178

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 2018 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.

$2,130
Average Rate
Your Rate
$2,130

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 2018 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 2018 Cadillac XTS is $2,130.

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.

2018 Cadillac XTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 Cadillac XTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,946-$184
2Cadillac CTS$2,010-$120
3Audi A5$2,090-$40
4Cadillac XTS$2,130--
5Cadillac CT6$2,156$26
6Volvo S90$2,234$104
7Lexus LS 500$2,318$188
8Infiniti Q70$2,324$194
9Acura RLX$2,364$234
10Lexus LS 500H$2,408$278
11Mercedes-Benz CLS550$2,464$334
12Lexus GS 450$2,488$358
13Infiniti Q60$2,536$406
14Mercedes-Benz C63 AMG$2,582$452
15Cadillac CTS-V$2,654$524
16Mercedes-Benz S450$2,680$550
17Jaguar XJ$2,692$562
18Genesis G90$2,700$570
2018 Large Luxury Car Average$2,783$653
19BMW 740e$2,804$674
20BMW 740i$2,824$694
21Mercedes-Benz S560$2,832$702
22BMW 650i$2,838$708
23Audi RS 7$2,940$810
24Mercedes-Benz E63 AMG$3,020$890
25Mercedes-Benz CLS63 AMG$3,046$916
26BMW 750i$3,054$924
27Maserati Ghibli$3,058$928
28Porsche Panamera$3,118$988
29Audi A8$3,148$1,018
30BMW Alpina B6$3,234$1,104
31Maserati Quattroporte$3,246$1,116
32Audi S8$3,346$1,216
33Mercedes-Benz AMG$3,372$1,242
34Mercedes-Benz AMG S63$3,438$1,308
35BMW M760i$3,668$1,538
36Mercedes-Benz S65 AMG$4,432$2,302

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.

2018 XTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Cadillac XTS Insurance Rates by Trim Level
2018 Cadillac XTS Trim Level Annual Premium Cost Per Month
Sedan$1,848$154
Luxury AWD$2,076$173
Luxury Sedan$2,076$173
Premium Luxury AWD$2,130$178
Premium Luxury Sedan$2,130$178
Platinum AWD$2,242$187
Platinum Sedan$2,242$187
Platinum V-Sport AWD$2,298$192

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 2018 Cadillac XTS for different driver ages.

2018 Cadillac XTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,510$626
17$7,293$608
18$6,569$547
19$5,972$498
20$4,585$382
21$4,379$365
22$3,925$327
23$3,218$268
24$3,045$254
25$2,472$206
30$2,274$190
35$2,186$182
40$2,130$178
45$1,988$166
50$1,886$157
55$1,758$147
60$1,764$147
65$1,878$157
70$2,020$168
75$2,364$197
80$2,908$242

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.