Infiniti G37 vs Cadillac XTS Insurance Cost

The Infiniti G37 is cheaper to insure by about $105 a year for full coverage by our estimate ($1,345 vs. $1,450), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Infiniti G37	Cadillac XTS	Difference
State minimum	$600	$585	+$15
Standard (100/300/100)	$870	$845	+$25
Full coverage	$1,345	$1,450	−$105

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = G37 minus XTS.

Why one costs more to insure

Factor	Infiniti G37	Cadillac XTS
Segment	Luxury car	Luxury car
Powertrains	Gasoline	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	—	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	—	2

G37 vs XTS insurance by state

State	G37	XTS	Difference
Alabama	$1,150	$1,260	−$110
Alaska	$1,170	$1,270	−$100
Arizona	$1,415	$1,520	−$105
Arkansas	$1,145	$1,270	−$125
California	$1,300	$1,425	−$125
Colorado	$1,505	$1,640	−$135
Connecticut	$1,455	$1,550	−$95
Delaware	$1,550	$1,630	−$80
District of Columbia	$1,685	$1,830	−$145
Florida	$2,005	$2,090	−$85
Georgia	$1,710	$1,805	−$95
Hawaii	$915	$1,000	−$85
Idaho	$905	$985	−$80
Illinois	$1,155	$1,255	−$100
Indiana	$945	$1,030	−$85
Iowa	$870	$975	−$105
Kansas	$1,035	$1,145	−$110
Kentucky	$1,135	$1,220	−$85
Louisiana	$1,875	$2,010	−$135
Maine	$840	$920	−$80
Maryland	$1,525	$1,635	−$110
Massachusetts	$1,320	$1,430	−$110
Michigan	$1,455	$1,580	−$125
Minnesota	$1,095	$1,200	−$105
Mississippi	$1,260	$1,380	−$120
Missouri	$1,200	$1,310	−$110
Montana	$1,030	$1,145	−$115
Nebraska	$1,035	$1,150	−$115
Nevada	$1,615	$1,685	−$70
New Hampshire	$945	$1,030	−$85
New Jersey	$1,670	$1,760	−$90
New Mexico	$1,195	$1,300	−$105
New York	$1,850	$1,960	−$110
North Carolina	$970	$1,075	−$105
North Dakota	$810	$915	−$105
Ohio	$945	$1,035	−$90
Oklahoma	$1,175	$1,295	−$120
Oregon	$1,240	$1,310	−$70
Pennsylvania	$1,150	$1,260	−$110
Rhode Island	$1,660	$1,765	−$105
South Carolina	$1,470	$1,555	−$85
South Dakota	$960	$1,085	−$125
Tennessee	$1,095	$1,200	−$105
Texas	$1,565	$1,710	−$145
Utah	$1,250	$1,325	−$75
Vermont	$840	$935	−$95
Virginia	$1,155	$1,250	−$95
Washington	$1,195	$1,270	−$75
West Virginia	$1,090	$1,205	−$115
Wisconsin	$900	$985	−$85
Wyoming	$980	$1,110	−$130

By driver profile (full coverage)

Driver	G37	XTS
Teen driver (18, own policy)	$3,700	$3,995
Young adult (22)	$2,155	$2,325
Adult in their 30s	$1,345	$1,450
Adult in their 50s	$1,240	$1,335
Senior (72)	$1,505	$1,625
30s, one at-fault accident	$1,950	$2,105
30s, DUI on record	$2,490	$2,685

More comparisons

Frequently asked questions

Is the Infiniti G37 or the Cadillac XTS cheaper to insure?

By our estimate the Infiniti G37 is cheaper, by about $105 a year for full coverage ($1,345 vs. $1,450) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Infiniti G37 and Cadillac XTS?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page