Estimates, not quotes

Cadillac XTS Insurance Cost in Maine

Insuring a Cadillac XTS in Maine costs about $920 a year ($77/month) for full coverage by our estimate — −37% versus the same car nationally — the 2nd cheapest 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 Maine at a glance

Full coverage
$920
$755–$1,085
50/100/25 minimum
$405
$34/mo
Same car nationally
$1,450
full coverage
Avg. car in ME
$1,015
−9% for the XTS

The Cadillac XTS is 9% cheaper than the average vehicle to insure in Maine. Maine's own base rates are 33% lower than the national average, which carries through to every model.

Maine factors that affect XTS premiums

  • Uninsured drivers: 5.7% of Maine drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your XTS.
  • Theft: 59 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Maine's expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.17 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Maine →

Cadillac XTS insurance cost in Maine cities

CityFull coverageMinimumvs. state
Portland$1,080$470+17%
Lewiston$1,025$450+11%
Bangor$975$430+6%
South Portland$1,035$450+13%
Auburn$975$430+6%
Sanford$1,045$460+14%
Biddeford$1,030$450+12%
Westbrook$1,015$445+10%

Cadillac XTS insurance in Maine by driver

Estimated annual Cadillac XTS premium in Maine
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,110 $1,340 $2,535 $211
Young adult (22) $645 $780 $1,475 $123
Adult in their 30s $405 $490 $920 $77
Adult in their 50s $370 $450 $850 $71
Senior (72) $450 $545 $1,030 $86
30s, one at-fault accident $585 $710 $1,335 $111
30s, DUI on record $745 $905 $1,705 $142

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. $405 $34 $330–$475
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $490 $41 $400–$575
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $920 $77 $755–$1,085

Maine minimum: 50/100/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Maine

ModelFull coverage in MEvs. XTS
Jaguar XJ$1,180+28%
Infiniti G37$1,180+28%
Lincoln MKZ$1,165+27%
Lexus IS$1,235+34%

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Cadillac XTS insurance cost in every state · All Cadillac models

Frequently asked questions

How much is Cadillac XTS insurance in Maine?

About $920 a year ($77 a month) for full coverage and $405 for Maine's minimum liability, for a driver in their 30s with a clean record. That is 37% less than the national estimate for the same car.

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

The average vehicle in Maine is about $1,015 a year for full coverage in our model, so the Cadillac XTS is 9% cheaper than average.

Where in Maine is Cadillac XTS insurance cheapest?

Among the largest Maine cities, Bangor has the lowest estimate (about $975) and Portland the highest (about $1,080).

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

Maine requires at least 50/100/25 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