- Cadillac XTS insurance costs an average of $2,258 per year ($188 per month) for a full coverage policy.
- Out of 31 vehicles in the 2019 model year large luxury car segment, the XTS ranks fifth for insurance affordability.
- The base XTS Sedan trim level is the cheapest to insure at around $2,116 per year. The most expensive trim is the Platinum V-Sport AWD at $2,414 per year.
How much does Cadillac XTS car insurance cost?
Cadillac XTS car insurance rates average $2,258 a year, or about $188 a month. Expect to pay approximately $723 less each year for Cadillac XTS insurance as compared to the average rate for large luxury cars, and $37 more per year than the all-vehicle national average of $2,221.
Average monthly insurance cost for a Cadillac XTS ranges from $176 to $201, depending on the trim level being insured.
The chart below shows average annual car insurance rates on a 2019 XTS with a variety of different policy risk scenarios.
In order to help you understand how much variability there is, keep in mind that choosing a liability-only policy in the cheapest areas of Virginia or Iowa costs as little as $229 a year, while a 16-year-old male driver with a couple of driving violations could be as high as $16,176 a year in some areas for a policy that provides full coverage on a 2019 Cadillac XTS.
The following table shows average car insurance rates for the 2013 to 2019 XTS model years. Prices range from from $1,632 for a 2013 model to the most expensive annual rate of $2,258 for a 2019 XTS.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2019 Cadillac XTS | $2,258 | $188 |
| 2018 Cadillac XTS | $2,130 | $178 |
| 2017 Cadillac XTS | $1,896 | $158 |
| 2016 Cadillac XTS | $1,784 | $149 |
| 2015 Cadillac XTS | $1,830 | $153 |
| 2014 Cadillac XTS | $1,794 | $150 |
| 2013 Cadillac XTS | $1,632 | $136 |
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 Cadillac XTS trim levels for each model year. Updated June 27, 2025
Is Cadillac XTS insurance expensive?
The Cadillac XTS ranks fifth out of 31 vehicles for insurance affordability in the 2019 large luxury car segment. The XTS costs an average of $2,258 per year to insure for full coverage and the category average is $2,981 per year, a difference of $723 per year.
When compared directly to the top-selling vehicles in the large luxury car segment, insurance for a Cadillac XTS costs $92 more per year than the Audi A5, $718 less than the BMW 740i, $38 more than the Cadillac CT6, and $102 more than the Lincoln Continental.
The table below shows how well XTS car insurance rates compare to all other large luxury sedans. The difference column shows how much more or less insurance costs for each model compared to the XTS.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Cadillac CTS | $2,124 | -$134 |
| 2 | Lincoln Continental | $2,156 | -$102 |
| 3 | Audi A5 | $2,166 | -$92 |
| 4 | Cadillac CT6 | $2,220 | -$38 |
| 5 | Cadillac XTS | $2,258 | -- |
| 6 | Volvo S90 | $2,358 | $100 |
| 7 | Infiniti Q70 | $2,436 | $178 |
| 8 | Acura RLX | $2,512 | $254 |
| 9 | Infiniti Q60 | $2,614 | $356 |
| 10 | Lexus LS 500 | $2,644 | $386 |
| 11 | Lexus LS 500H | $2,654 | $396 |
| 12 | Mercedes-Benz AMG E53 | $2,664 | $406 |
| 13 | Genesis G90 | $2,744 | $486 |
| 14 | Kia K900 | $2,784 | $526 |
| 15 | Mercedes-Benz AMG CLS53 | $2,796 | $538 |
| 16 | Cadillac CTS-V | $2,810 | $552 |
| 17 | Mercedes-Benz S450 | $2,854 | $596 |
| 18 | Jaguar XJ | $2,870 | $612 |
| 19 | BMW 740e | $2,956 | $698 |
| 20 | BMW 740i | $2,976 | $718 |
| 21 | BMW 650i | $3,002 | $744 |
| 22 | BMW M850i | $3,010 | $752 |
| 23 | Mercedes-Benz E63 AMG | $3,210 | $952 |
| 24 | Audi A8 | $3,218 | $960 |
| 25 | Mercedes-Benz S560 | $3,228 | $970 |
| 26 | BMW 750i | $3,234 | $976 |
| 27 | Porsche Panamera | $3,394 | $1,136 |
| 28 | BMW M760i | $3,870 | $1,612 |
| 29 | Mercedes-Benz AMG S63 | $3,958 | $1,700 |
| 30 | Mercedes-Benz S65 AMG | $4,972 | $2,714 |
| 31 | Bentley Mulsanne | $5,734 | $3,476 |
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 vehicle from the 2019 model year. Updated June 26, 2025
What Cadillac XTS insurance is cheapest?
The cheapest model of Cadillac XTS to insure is the base Sedan at an estimated $2,116 per year. The second cheapest model is the Luxury AWD model at $2,176 per year, and the third cheapest trim to insure is the Luxury Sedan at $2,176 per year.
For the more expensive trim levels, the three highest cost XTS trim levels to insure are the Cadillac XTS Platinum AWD, the Platinum Sedan, and the Platinum V-Sport AWD trim levels at an estimated $2,354, $2,354, and $2,414 per year, respectively.
The table below details average Cadillac XTS car insurance rates for annual and semi-annual policy terms, plus a monthly budget figure, for each 2019 trim level.
| 2019 Cadillac XTS Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sedan | $2,116 | $176 |
| Luxury AWD | $2,176 | $181 |
| Luxury Sedan | $2,176 | $181 |
| Premium Luxury AWD | $2,236 | $186 |
| Premium Luxury Sedan | $2,236 | $186 |
| Platinum AWD | $2,354 | $196 |
| Platinum Sedan | $2,354 | $196 |
| Platinum V-Sport AWD | $2,414 | $201 |
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. Updated June 26, 2025
