Services
Insurance
Loans
Repairs
Advice
About

Cheapest Cadillac XTS Premium Collection Car Insurance (Dec 2023)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Cadillac XTS Premium Collection
compare
Find Insurance Savings (100% Free!)
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Cadillac XTS Premium Collection car insurance cost? 

On average, Cadillac XTS Premium Collection drivers spend $59 each month on state minimum car insurance, and $247 per month on full coverage insurance. Compared to other Cadillac XTS models, the Cadillac XTS Premium Collection is 0% less expensive to insure. 
Many factors play a role in determining your Cadillac XTS Premium Collection car insurance costs, from your age and address to your driving record, insurance history, and coverage levels. The vehicle you own is just one piece of the calculations that insurance companies run when generating a quote. 

Compare the cheapest Cadillac XTS Premium Collection car insurance quotes

This may feel complicated, but it doesn’t have to be. As a trusted insurance broker and free quote comparison tool, Jerry is an essential resource for Cadillac XTS Premium Collection owners.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
November 27, 2023
Gainsco
$272
• State Minimum Liability
• Comp / Collision
November 27, 2023
Travelers
$176
• 50,000/100,000 Liability
• Comp / Collision
November 26, 2023
Safeco
$224
• 50,000/100,000 Liability
• Comp / Collision
November 15, 2023
National General
$105
• State Minimum Liability
November 13, 2023
Progressive
$189
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 27, 2023
It’s important to remember that auto insurance rates can vary significantly, even for the same car model and trim. For instance, driver age has a major impact on rates: an 18-year-old driver will pay a much higher premium for a t Cadillac XTS Premium Collection insurance policy than a 30-year-old driver. 
While
average rates
are helpful, shopping for
personalized quotes
is the best way to find out how much you can expect to pay for t Cadillac XTS Premium Collection car insurance.

The best car insurance companies for Cadillac XTS Premium Collection owners

There is no best car insurance company for all Cadillac XTS Premium Collection owners. That’s because car insurance quotes are based on factors unique to you—your age, your address, your driving history, your deductibles, and more. 
The cheapest insurance company for one Cadillac XTS Premium Collection driver might give higher quotes to another person—even though they’re insuring the exact same model and trim.  
Besides price, you also need to consider other factors such as claim handling and customer service. 
To help drivers better compare different
car insurance companies
, Jerry’s conducted the largest insurance shopping survey in the nation to learn about drivers’ satisfaction with the prices, customer service, claims handling, and overall experience of different auto insurance companies.
 The table below shows how Cadillac XTS Premium Collection drivers rate different companies.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much does Cadillac XTS Premium Collection insurance cost?

From our experience helping lots of Cadillac XTS Premium Collection drivers lower their car insurance rates, we found that the average cost of minimum liability coverage is $59 per month or $708 per year. 
The average cost for full coverage insurance is $247 per month or $2,964 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$59
$708
Full coverage
$247
$2,964

How much car insurance do you need for a Cadillac XTS Premium Collection?

Minimum coverage insurance
is the minimum amount of coverage legally required in your state, which typically includes basic liability insurance. 
Full coverage insurance
, on the other hand, provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

How do Cadillac XTS Premium Collection insurance quotes compare to other Cadillac XTS car insurance rates?

Check out the table below to see the average cost of auto insurance for some other popular Cadillac XTS trims.
Car Model & TrimAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
$59
$247
$108
$240
$113
$215
$131
$238
$161
$246

Cadillac XTS Premium Collection insurance cost by model year

Your Cadillac XTS Premium Collection insurance costs depend in part on when your vehicle was manufactured—i.e., the model year.
Newer models tend to be more expensive to insure, thanks to a higher cash value and hard-to-replace tech. If you drive an older Cadillac XTS Premium Collection model, you’ll likely pay a lower rate.

2015 Cadillac XTS Premium Collection car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Safeco
$224
• 50,000/100,000 Liability
• Comp / Collision
National General
$213
• State Minimum Liability
coverageLast Updated Dec 3, 2023

2014 Cadillac XTS Premium Collection car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$196
• State Minimum Liability
• Comp / Collision
Bristol West
$143
• State Minimum Liability
coverageLast Updated Dec 3, 2023

2013 Cadillac XTS Premium Collection car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$186
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$189
• State Minimum Liability
• Comp / Collision
Allstate
$82
• 30,000/85,000 Liability
National General
$105
• State Minimum Liability
Gainsco
$272
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 28, 2023

Are Cadillac XTS Premium Collections expensive to insure? 

Compared to the national average for other models from a similar price range, it is 0% less expensive to insure a Cadillac XTS Premium Collection.
Check out some similar cars for comparison:
ModelAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
$34
$236
$40
$171
$62
$199
$74
$126
$75
$270
$78
$114
$85
$182
$95
$188
$98
$182
$100
$200
$100
$196
$104
$271
$108
$240
$111
$181
$137
$213

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.