Ultimate Guide to Insuring a Cadillac XTS: 2025 Edition

• Cadillac XTS insurance costs an average of $2,314 per year ($193 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 $2,170 per year. The most expensive trim is the Platinum V-Sport AWD at $2,472 per year.

How much does Cadillac XTS car insurance cost?

Cadillac XTS car insurance rates average $2,314 a year, or about $193 a month. Expect to pay approximately $739 less each year for Cadillac XTS insurance as compared to the average rate for large luxury cars, and $38 more per year than the all-vehicle national average of $2,276.

Average monthly insurance cost for a Cadillac XTS ranges from $181 to $206, 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 $16,380 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 $1,672 for a 2013 model to the most expensive annual rate of $2,314 for a 2019 XTS.

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 $2,314 per year to insure for full coverage and the category average is $3,053 per year, a difference of $739 per year.

When compared directly to the top-selling vehicles in the large luxury car segment, insurance for a Cadillac XTS costs $96 more per year than the Audi A5, $734 less than the BMW 740i, $42 more than the Cadillac CT6, and $106 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.

What Cadillac XTS insurance is cheapest?

The cheapest model of Cadillac XTS to insure is the base Sedan at an estimated $2,170 per year. The second cheapest model is the Luxury AWD model at $2,230 per year, and the third cheapest trim to insure is the Luxury Sedan at $2,230 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 $2,410,  $2,410, and $2,472 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.