Estimates, not quotes

Cadillac XTS Insurance Cost in Connecticut

Insuring a Cadillac XTS in Connecticut costs about $1,550 a year ($129/month) for full coverage by our estimate — +7% versus the same car nationally — the 15th most expensive of 51 states for this model.

Cadillac XTS (photo from Wikimedia Commons)
Photo: Mr.choppers, CC BY-SA 3.0
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

Cadillac XTS insurance in Connecticut at a glance

Full coverage
$1,550
$1,270–$1,830
25/50/25 minimum
$675
$56/mo
Same car nationally
$1,450
full coverage
Avg. car in CT
$1,685
−8% for the XTS

The Cadillac XTS is 8% cheaper than the average vehicle to insure in Connecticut. Connecticut's own base rates are 9% higher than the national average, which carries through to every model.

Connecticut factors that affect XTS premiums

  • Uninsured drivers: 11.8% of Connecticut drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your XTS.
  • Theft: 171 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Connecticut's expected annual losses as very low for hail, relatively low for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.00 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Connecticut →

Cadillac XTS insurance cost in Connecticut cities

CityFull coverageMinimumvs. state
Bridgeport$1,805$790+16%
Stamford$1,685$735+9%
New Haven$1,640$715+6%
Hartford$1,665$725+7%
Waterbury$1,685$735+9%
Norwalk$1,675$730+8%
Danbury$1,655$720+7%
New Britain$1,620$705+5%

Cadillac XTS insurance in Connecticut by driver

Estimated annual Cadillac XTS premium in Connecticut
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,860 $2,695 $4,265 $355
Young adult (22) $1,080 $1,570 $2,480 $207
Adult in their 30s $675 $980 $1,550 $129
Adult in their 50s $620 $900 $1,425 $119
Senior (72) $755 $1,100 $1,735 $145
30s, one at-fault accident $980 $1,420 $2,250 $188
30s, DUI on record $1,250 $1,815 $2,870 $239

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $675 $56 $555–$800
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $980 $82 $805–$1,155
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,550 $129 $1,270–$1,830

Connecticut minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Connecticut

ModelFull coverage in CTvs. XTS
Jaguar XJ$1,900+23%
Infiniti G37$1,900+23%
Lincoln MKZ$1,870+21%
Lexus IS$1,945+25%

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Cadillac XTS insurance cost in every state · All Cadillac models

Frequently asked questions

How much is Cadillac XTS insurance in Connecticut?

About $1,550 a year ($129 a month) for full coverage and $675 for Connecticut's minimum liability, for a driver in their 30s with a clean record. That is 7% more than the national estimate for the same car.

Is the Cadillac XTS cheaper to insure than the average car in Connecticut?

The average vehicle in Connecticut is about $1,685 a year for full coverage in our model, so the Cadillac XTS is 8% cheaper than average.

Where in Connecticut is Cadillac XTS insurance cheapest?

Among the largest Connecticut cities, New Britain has the lowest estimate (about $1,620) and Bridgeport the highest (about $1,805).

What insurance do I need for a Cadillac XTS in Connecticut?

Connecticut requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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