Cadillac CT5 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Cadillac CT5 are $1,368 annually with full coverage. Comprehensive costs on average $348, collision costs $618, and liability costs around $292. A policy with only liability insurance costs as low as $336 a year, with a high-risk policy costing around $2,950. 16-year-old drivers pay the most at $4,814 a year or more.
Average premium for full coverage: $1,368
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different CT5 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Cadillac CT5 go from as cheap as $336 for liability-only coverage to a much higher rate of $2,950 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below details estimated Cadillac CT5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $766
- Using higher $1,000 deductibles will save around $220 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,368
- Buying more expensive low deductibles for physical damage coverage will cost $1,794
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,950 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,814 or more
Car insurance prices for a Cadillac CT5 also have a wide range based on the model of your CT5, your driving record, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be from 46% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $650 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $263 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac CT5 insurance prices. A driver around age 40 might see prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,236 | -$132 | -9.6% |
| Alaska | $1,048 | -$320 | -23.4% |
| Arizona | $1,136 | -$232 | -17.0% |
| Arkansas | $1,368 | -$0 | 0.0% |
| California | $1,556 | $188 | 13.7% |
| Colorado | $1,304 | -$64 | -4.7% |
| Connecticut | $1,406 | $38 | 2.8% |
| Delaware | $1,548 | $180 | 13.2% |
| Florida | $1,706 | $338 | 24.7% |
| Georgia | $1,266 | -$102 | -7.5% |
| Hawaii | $984 | -$384 | -28.1% |
| Idaho | $926 | -$442 | -32.3% |
| Illinois | $1,020 | -$348 | -25.4% |
| Indiana | $1,030 | -$338 | -24.7% |
| Iowa | $924 | -$444 | -32.5% |
| Kansas | $1,300 | -$68 | -5.0% |
| Kentucky | $1,864 | $496 | 36.3% |
| Louisiana | $2,024 | $656 | 48.0% |
| Maine | $842 | -$526 | -38.5% |
| Maryland | $1,126 | -$242 | -17.7% |
| Massachusetts | $1,092 | -$276 | -20.2% |
| Michigan | $2,376 | $1,008 | 73.7% |
| Minnesota | $1,144 | -$224 | -16.4% |
| Mississippi | $1,638 | $270 | 19.7% |
| Missouri | $1,212 | -$156 | -11.4% |
| Montana | $1,470 | $102 | 7.5% |
| Nebraska | $1,078 | -$290 | -21.2% |
| Nevada | $1,640 | $272 | 19.9% |
| New Hampshire | $986 | -$382 | -27.9% |
| New Jersey | $1,526 | $158 | 11.5% |
| New Mexico | $1,210 | -$158 | -11.5% |
| New York | $1,440 | $72 | 5.3% |
| North Carolina | $786 | -$582 | -42.5% |
| North Dakota | $1,118 | -$250 | -18.3% |
| Ohio | $944 | -$424 | -31.0% |
| Oklahoma | $1,402 | $34 | 2.5% |
| Oregon | $1,254 | -$114 | -8.3% |
| Pennsylvania | $1,304 | -$64 | -4.7% |
| Rhode Island | $1,824 | $456 | 33.3% |
| South Carolina | $1,238 | -$130 | -9.5% |
| South Dakota | $1,154 | -$214 | -15.6% |
| Tennessee | $1,198 | -$170 | -12.4% |
| Texas | $1,646 | $278 | 20.3% |
| Utah | $1,014 | -$354 | -25.9% |
| Vermont | $934 | -$434 | -31.7% |
| Virginia | $820 | -$548 | -40.1% |
| Washington | $1,056 | -$312 | -22.8% |
| West Virginia | $1,256 | -$112 | -8.2% |
| Wisconsin | $946 | -$422 | -30.8% |
| Wyoming | $1,216 | -$152 | -11.1% |
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2023 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2022 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
| 2021 Cadillac CT5 | $348 | $618 | $292 | $1,368 |
| 2020 Cadillac CT5 | $334 | $574 | $298 | $1,316 |
Rates are averaged for all Cadillac CT5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Cadillac CT5 Insurance
Finding better rates on insurance for a Cadillac CT5 requires avoiding accidents and claims, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every year by obtaining price quotes from direct companies, and also from local independent and exclusive agents.
The points below are a review of the coverage data raised in the charts and tables above.
- You may be able to save as much as $170 per year simply by shopping early and online
- Increasing policy deductibles could save up to $650 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $401 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,580 more each year to insure a Cadillac CT5
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,814 |
| 20 | $3,128 |
| 30 | $1,446 |
| 40 | $1,368 |
| 50 | $1,246 |
| 60 | $1,222 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,794 |
| $250 | $1,596 |
| $500 | $1,368 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,368 |
| 50/100 | $1,426 |
| 100/300 | $1,499 |
| 250/500 | $1,689 |
| 100 CSL | $1,456 |
| 300 CSL | $1,616 |
| 500 CSL | $1,733 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,936 |
| 20 | $4,978 |
| 30 | $3,036 |
| 40 | $2,950 |
| 50 | $2,810 |
| 60 | $2,784 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $69 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $602 |
Discounts are estimated and may not be available from every company or in every state.
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