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Cadillac CTS Premium AWD Insurance Rates

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U.S. average insurance rates for a Cadillac CTS Premium AWD are $1,634 a year for full coverage. Comprehensive insurance costs approximately $382 a year, collision insurance costs $730, and liability costs $364. Just liability insurance costs as little as $430 a year, and coverage for high-risk drivers costs $3,538 or more. Teen drivers pay the highest rates at up to $5,896 a year.

Annual premium for full coverage: $1,634

Price estimates by individual coverage type:

Comprehensive $382
Collision $730
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 the average driver, Cadillac CTS Premium AWD insurance prices range from as low as $430 for your basic liability-only policy to a high of $3,538 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,634
High Risk $3,538

These price ranges show why it is important for drivers to compare rates using their specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance rates for a Cadillac CTS Premium AWD are also quite variable based on your driving record, the model year of your CTS, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,800 a year. View Rates by Age

The state you live in makes a big difference in Cadillac CTS Premium AWD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $750 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so the rates may be quite different from one company to the next.

View Chart as Image

Cadillac CTS Premium AWD insurance cost comparison chart
Column chart showing Cadillac CTS Premium AWD insurance prices range from $921 to $5,896 for full coverage

Chart shows Cadillac CTS Premium AWD insurance rates for various risk profiles and scenarios. The best rate after discounts is $921. Drivers who choose higher $1,000 deductibles will pay around $1,382. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,634. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $2,126. High risk drivers could be charged at least $3,538. The cost for full coverage for a teenager is $5,896.

Cadillac CTS Premium AWD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,478 -$156 -9.5%
Alaska $1,252 -$382 -23.4%
Arizona $1,358 -$276 -16.9%
Arkansas $1,634 -$0 0.0%
California $1,862 $228 14.0%
Colorado $1,560 -$74 -4.5%
Connecticut $1,680 $46 2.8%
Delaware $1,850 $216 13.2%
Florida $2,044 $410 25.1%
Georgia $1,510 -$124 -7.6%
Hawaii $1,174 -$460 -28.2%
Idaho $1,104 -$530 -32.4%
Illinois $1,216 -$418 -25.6%
Indiana $1,230 -$404 -24.7%
Iowa $1,102 -$532 -32.6%
Kansas $1,552 -$82 -5.0%
Kentucky $2,230 $596 36.5%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,308 -$326 -20.0%
Michigan $2,840 $1,206 73.8%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,958 $324 19.8%
Missouri $1,450 -$184 -11.3%
Montana $1,754 $120 7.3%
Nebraska $1,288 -$346 -21.2%
Nevada $1,960 $326 20.0%
New Hampshire $1,178 -$456 -27.9%
New Jersey $1,828 $194 11.9%
New Mexico $1,446 -$188 -11.5%
New York $1,720 $86 5.3%
North Carolina $942 -$692 -42.4%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,678 $44 2.7%
Oregon $1,496 -$138 -8.4%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,378 -$256 -15.7%
Tennessee $1,430 -$204 -12.5%
Texas $1,968 $334 20.4%
Utah $1,210 -$424 -25.9%
Vermont $1,118 -$516 -31.6%
Virginia $980 -$654 -40.0%
Washington $1,264 -$370 -22.6%
West Virginia $1,498 -$136 -8.3%
Wisconsin $1,132 -$502 -30.7%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Cadillac CTS Premium AWD insurance rates by U.S. city

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Rates by Driver Age

Cadillac CTS Premium AWD Insurance Rates by Driver Age
Driver Age Premium
16 $5,896
20 $3,778
30 $1,720
40 $1,634
50 $1,488
60 $1,460

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Premium AWD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,126
$250 $1,896
$500 $1,634
$1,000 $1,382

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Premium AWD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,707
100/300 $1,798
250/500 $2,034
100 CSL $1,743
300 CSL $1,943
500 CSL $2,089

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Premium AWD Insurance Rates for High Risk Drivers
Age Premium
16 $8,458
20 $6,008
30 $3,636
40 $3,538
50 $3,374
60 $3,344

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 $230

Potential Rate Discounts

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

Discount Savings
Multi-policy $89
Multi-vehicle $84
Homeowner $22
5-yr Accident Free $128
5-yr Claim Free $107
Paid in Full/EFT $81
Advance Quote $84
Online Quote $118
Total Discounts $713
Rate after discounts $921

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

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