Car Insurance Quotes for a Cadillac XTS

The Cadillac XTS is a full-size luxury sedan built for comfort: a quiet cabin, long-legged highway ride, and upscale touches from soft leather to advanced driver assists. Many trims offer premium audio, heated and ventilated seats, and available all-wheel drive, while the V-Sport models add twin-turbo punch for effortless passing. If you own an XTS, you know it’s more than transportation—it’s an experience that makes every commute feel first-class.

But luxury often means more complex—and pricier—repairs, and when you factor in real-world risks like hail, heavy rain, flooding, theft, and dense traffic, your coverage choices really matter—the right policy can turn a stressful claim into a more predictable expense and help minimize downtime. On average, auto insurance for an XTS costs about $90 per month for liability-only coverage, or around $180 per month for full coverage (which includes comprehensive and collision).

At Freeway, we help you compare multiple companies in minutes and present side-by-side options so you can see exactly how each one works. If you want cheap auto insurance without cutting corners, start with us: keep reading this quick guide to learn everything you need to know to find an affordable plan that fits your needs.

If you’re shopping for coverage for your Cadillac, you’re essentially choosing between two routes: liability-only or full coverage. Liability keeps you legal under the auto insurance rules in your state, while full coverage adds a much wider safety net—helpful for everything from fender-benders to severe weather.

Full Coverage

Opting for full car coverage gives your luxury sedan the broadest protection. It combines coverage that helps pay for others’ losses (liability) with protection for your own vehicle (collision and comprehensive). That means you’re covered for crashes, as well as non-collision events such as theft, storms, vandalism, or a rollover.

Yes, it typically costs more, but it can easily pay for itself if the worst happens—think a total loss or an at-fault accident with another high-end vehicle.

Consider joining the Freeway Auto Club. You’ll get 24/7 roadside assistance to help with surprise expenses like a late-night tow or a locksmith—costs that can add up fast if you’re paying out of pocket.

State Minimum Liability

State minimum liability is the most basic coverage required by law where you live. It’s designed to pay for other people’s medical bills (bodily injury) and property repairs or replacement (property damage) when you’re responsible for a crash.

These limits are usually shown as three numbers, for example 25/50/25. That shorthand means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. As a reference point, Georgia’s minimums are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.

Also keep in mind that some states follow a no-fault system—Florida is a common example. In no-fault states, you typically need Personal Injury Protection (PIP), which helps cover your own medical costs after a crash regardless of who caused it. The required mix of coverages and the thresholds for pursuing the other driver can differ from traditional fault-based systems, so review your state’s requirements to see what applies to you.

A DUI can push premiums higher and may trigger an SR-22 filing (where required). Freeway Insurance files SR-22s quickly, maintains the paperwork, and matches you with a carrier that accepts your profile so you stay legal while rebuilding your rating. Continuous coverage—no lapses—is crucial during this period.