Lincoln MKZ vs Cadillac XTS Insurance Cost

The Cadillac XTS is cheaper to insure by about $45 a year for full coverage by our estimate ($1,495 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	Lincoln MKZ	Cadillac XTS	Difference
State minimum	$585	$585	—
Standard (100/300/100)	$845	$845	—
Full coverage	$1,495	$1,450	+$45

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

Why one costs more to insure

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

MKZ vs XTS insurance by state

State	MKZ	XTS	Difference
Alabama	$1,300	$1,260	+$40
Alaska	$1,310	$1,270	+$40
Arizona	$1,565	$1,520	+$45
Arkansas	$1,315	$1,270	+$45
California	$1,470	$1,425	+$45
Colorado	$1,690	$1,640	+$50
Connecticut	$1,590	$1,550	+$40
Delaware	$1,670	$1,630	+$40
District of Columbia	$1,885	$1,830	+$55
Florida	$2,135	$2,090	+$45
Georgia	$1,850	$1,805	+$45
Hawaii	$1,035	$1,000	+$35
Idaho	$1,015	$985	+$30
Illinois	$1,295	$1,255	+$40
Indiana	$1,060	$1,030	+$30
Iowa	$1,010	$975	+$35
Kansas	$1,190	$1,145	+$45
Kentucky	$1,255	$1,220	+$35
Louisiana	$2,065	$2,010	+$55
Maine	$950	$920	+$30
Maryland	$1,680	$1,635	+$45
Massachusetts	$1,470	$1,430	+$40
Michigan	$1,630	$1,580	+$50
Minnesota	$1,245	$1,200	+$45
Mississippi	$1,425	$1,380	+$45
Missouri	$1,355	$1,310	+$45
Montana	$1,185	$1,145	+$40
Nebraska	$1,190	$1,150	+$40
Nevada	$1,720	$1,685	+$35
New Hampshire	$1,065	$1,030	+$35
New Jersey	$1,800	$1,760	+$40
New Mexico	$1,340	$1,300	+$40
New York	$2,005	$1,960	+$45
North Carolina	$1,115	$1,075	+$40
North Dakota	$955	$915	+$40
Ohio	$1,070	$1,035	+$35
Oklahoma	$1,340	$1,295	+$45
Oregon	$1,340	$1,310	+$30
Pennsylvania	$1,305	$1,260	+$45
Rhode Island	$1,805	$1,765	+$40
South Carolina	$1,595	$1,555	+$40
South Dakota	$1,135	$1,085	+$50
Tennessee	$1,240	$1,200	+$40
Texas	$1,765	$1,710	+$55
Utah	$1,355	$1,325	+$30
Vermont	$970	$935	+$35
Virginia	$1,285	$1,250	+$35
Washington	$1,305	$1,270	+$35
West Virginia	$1,245	$1,205	+$40
Wisconsin	$1,020	$985	+$35
Wyoming	$1,160	$1,110	+$50

By driver profile (full coverage)

Driver	MKZ	XTS
Teen driver (18, own policy)	$4,110	$3,995
Young adult (22)	$2,390	$2,325
Adult in their 30s	$1,495	$1,450
Adult in their 50s	$1,375	$1,335
Senior (72)	$1,675	$1,625
30s, one at-fault accident	$2,170	$2,105
30s, DUI on record	$2,765	$2,685

More comparisons

Frequently asked questions

Is the Lincoln MKZ or the Cadillac XTS cheaper to insure?

By our estimate the Cadillac XTS is cheaper, by about $45 a year for full coverage ($1,495 vs. $1,450) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lincoln MKZ 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