Cadillac CTS Luxury Insurance Rates

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The average insurance rates for a Cadillac CTS Luxury are $1,542 a year including full coverage. Comprehensive costs an estimated $354 each year, collision costs $666, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $3,338. Teen drivers cost the most to insure at $5,606 a year or more.

Annual premium for full coverage: $1,542

Policy rates broken down by individual coverage:

Comprehensive $354
Collision $666
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Cadillac CTS Trim Level

For an average driver, Cadillac CTS Luxury insurance rates go from as low as $430 for just liability insurance to a high rate of $3,338 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,542
High Risk $3,338

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,157
Small Cities $1,619
Large Cities $2,082

These price differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

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Insurance rates for a Cadillac CTS Luxury also range considerably based on your risk profile, the replacement cost of your CTS, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,600 a year. View Rates by Age

Your home state has a huge impact on Cadillac CTS Luxury insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $690 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

Cadillac CTS Luxury insurance cost comparison chart
Column chart showing Cadillac CTS Luxury insurance prices range from $875 to $5,606 for full coverage

The chart above shows average Cadillac CTS Luxury insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $875. Drivers who choose higher $1,000 deductibles will pay around $1,312. The average rate for a driver around age 40 using $500 deductibles is $1,542. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,994. High risk drivers could be charged around $3,338. The policy rate for full coverage insurance for a teenage driver can be as high as $5,606.

Cadillac CTS Luxury Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,394 -$148 -9.6%
Alaska $1,182 -$360 -23.3%
Arizona $1,282 -$260 -16.9%
Arkansas $1,542 -$0 0.0%
California $1,758 $216 14.0%
Colorado $1,474 -$68 -4.4%
Connecticut $1,586 $44 2.9%
Delaware $1,746 $204 13.2%
Florida $1,928 $386 25.0%
Georgia $1,426 -$116 -7.5%
Hawaii $1,108 -$434 -28.1%
Idaho $1,044 -$498 -32.3%
Illinois $1,148 -$394 -25.6%
Indiana $1,162 -$380 -24.6%
Iowa $1,042 -$500 -32.4%
Kansas $1,466 -$76 -4.9%
Kentucky $2,106 $564 36.6%
Louisiana $2,282 $740 48.0%
Maine $952 -$590 -38.3%
Maryland $1,272 -$270 -17.5%
Massachusetts $1,234 -$308 -20.0%
Michigan $2,682 $1,140 73.9%
Minnesota $1,290 -$252 -16.3%
Mississippi $1,848 $306 19.8%
Missouri $1,368 -$174 -11.3%
Montana $1,656 $114 7.4%
Nebraska $1,218 -$324 -21.0%
Nevada $1,850 $308 20.0%
New Hampshire $1,112 -$430 -27.9%
New Jersey $1,724 $182 11.8%
New Mexico $1,366 -$176 -11.4%
New York $1,626 $84 5.4%
North Carolina $890 -$652 -42.3%
North Dakota $1,264 -$278 -18.0%
Ohio $1,064 -$478 -31.0%
Oklahoma $1,586 $44 2.9%
Oregon $1,412 -$130 -8.4%
Pennsylvania $1,472 -$70 -4.5%
Rhode Island $2,056 $514 33.3%
South Carolina $1,398 -$144 -9.3%
South Dakota $1,302 -$240 -15.6%
Tennessee $1,352 -$190 -12.3%
Texas $1,858 $316 20.5%
Utah $1,144 -$398 -25.8%
Vermont $1,056 -$486 -31.5%
Virginia $924 -$618 -40.1%
Washington $1,192 -$350 -22.7%
West Virginia $1,414 -$128 -8.3%
Wisconsin $1,070 -$472 -30.6%
Wyoming $1,376 -$166 -10.8%

View Chart as Image

Cadillac CTS Luxury insurance rates by U.S. city

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Rates by Driver Age

Cadillac CTS Luxury Insurance Rates by Driver Age
Driver Age Premium
16 $5,606
20 $3,564
30 $1,620
40 $1,542
50 $1,406
60 $1,380

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Luxury Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,994
$250 $1,784
$500 $1,542
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Luxury Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,542
50/100 $1,615
100/300 $1,706
250/500 $1,942
100 CSL $1,651
300 CSL $1,851
500 CSL $1,997

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Luxury Insurance Rates for High Risk Drivers
Age Premium
16 $8,030
20 $5,666
30 $3,426
40 $3,338
50 $3,184
60 $3,154

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $79
Homeowner $21
5-yr Accident Free $119
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $111
Total Discounts $667
Rate after discounts $875

Discounts are estimated and may not be available from every company or in every state.

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