Cadillac CT5 Insurance Rates

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Save on 2020 Cadillac CT5 Insurance Quotes in 2025

Searching for better insurance coverage rates for your Cadillac CT5? Having to pay for expensive insurance coverage can diminish your savings and put a big crunch on your finances. Comparison shopping can be a smart way to cut your insurance bill. There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Cadillac CT5 are $1,402 every 12 months including full coverage. Comprehensive insurance costs on average $368, collision costs $640, and liability coverage costs around $284. Liability-only insurance costs as low as $328 a year, with high-risk driver insurance costing $3,018 or more. Teenage drivers pay the highest rates at $4,894 a year or more.

Average premium for full coverage: $1,402

Price estimates by individual coverage:

Comprehensive $368
Collision $640
Liability $284

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different CT5 trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac CT5 insurance prices go from the cheapest price of $328 for just liability insurance to a much higher rate of $3,018 for a driver that may need high-risk insurance.

Liability Only $328
Full Coverage $1,402
High Risk $3,018

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using average rates.

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.

More Rate Details

The chart below breaks down estimated Cadillac CT5 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $784
  • Using higher $1,000 deductibles will save around $228 every year
  • The average price for the average middle-age driver with $500 deductibles is $1,402
  • Using more expensive low deductibles for physical damage coverage costs an extra $444 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,018 or more
  • The price to insure a teenage driver with full coverage may cost $4,894 or more

View Chart as Image

Cadillac CT5 insurance cost comparison chart
Column chart showing full coverage Cadillac CT5 insurance prices range from $784 to $4,894

Car insurance prices for a Cadillac CT5 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your CT5.

Using high physical damage deductibles could cut prices by as much as $680 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $255 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be around 45% to 128% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac CT5 insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,000 on average in Michigan, New York, and Louisiana.

Cadillac CT5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,266 -$136 -9.7%
Alaska $1,076 -$326 -23.3%
Arizona $1,166 -$236 -16.8%
Arkansas $1,402 -$0 0.0%
California $1,596 $194 13.8%
Colorado $1,338 -$64 -4.6%
Connecticut $1,440 $38 2.7%
Delaware $1,584 $182 13.0%
Florida $1,750 $348 24.8%
Georgia $1,296 -$106 -7.6%
Hawaii $1,008 -$394 -28.1%
Idaho $950 -$452 -32.2%
Illinois $1,046 -$356 -25.4%
Indiana $1,058 -$344 -24.5%
Iowa $946 -$456 -32.5%
Kansas $1,332 -$70 -5.0%
Kentucky $1,910 $508 36.2%
Louisiana $2,074 $672 47.9%
Maine $862 -$540 -38.5%
Maryland $1,156 -$246 -17.5%
Massachusetts $1,118 -$284 -20.3%
Michigan $2,432 $1,030 73.5%
Minnesota $1,174 -$228 -16.3%
Mississippi $1,680 $278 19.8%
Missouri $1,242 -$160 -11.4%
Montana $1,506 $104 7.4%
Nebraska $1,104 -$298 -21.3%
Nevada $1,680 $278 19.8%
New Hampshire $1,010 -$392 -28.0%
New Jersey $1,564 $162 11.6%
New Mexico $1,240 -$162 -11.6%
New York $1,476 $74 5.3%
North Carolina $806 -$596 -42.5%
North Dakota $1,146 -$256 -18.3%
Ohio $968 -$434 -31.0%
Oklahoma $1,438 $36 2.6%
Oregon $1,286 -$116 -8.3%
Pennsylvania $1,334 -$68 -4.9%
Rhode Island $1,868 $466 33.2%
South Carolina $1,268 -$134 -9.6%
South Dakota $1,182 -$220 -15.7%
Tennessee $1,226 -$176 -12.6%
Texas $1,688 $286 20.4%
Utah $1,038 -$364 -26.0%
Vermont $958 -$444 -31.7%
Virginia $840 -$562 -40.1%
Washington $1,080 -$322 -23.0%
West Virginia $1,288 -$114 -8.1%
Wisconsin $970 -$432 -30.8%
Wyoming $1,246 -$156 -11.1%

View Chart as Image

Cadillac CT5 insurance rates by U.S. city

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

Cadillac CT5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT5 $412 $690 $258 $1,470
2023 Cadillac CT5 $394 $686 $264 $1,454
2022 Cadillac CT5 $382 $668 $274 $1,434
2021 Cadillac CT5 $368 $640 $284 $1,402
2020 Cadillac CT5 $348 $618 $292 $1,368

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 Shop for the Best Cheap Cadillac CT5 Insurance

Getting lower rates on auto insurance requires being a good driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the data that was touched on in the above illustrations.

  • You may be able to save as much as $180 per year simply by shopping early and online
  • Consumers who require an increased level of liability coverage will pay an extra $310 per year to increase from a low limit to a 250/500 level
  • Drivers age 16 to 20 are expensive to insure, possibly costing $408 a month if the policy includes full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,620 more each year than a safer driver

Rates by Driver Age

Cadillac CT5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,894
20 $3,196
30 $1,484
40 $1,402
50 $1,276
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,640
$500 $1,402
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,459
100/300 $1,530
250/500 $1,714
100 CSL $1,487
300 CSL $1,643
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT5 Insurance Rates for High Risk Drivers
Age Premium
16 $7,048
20 $5,086
30 $3,108
40 $3,018
50 $2,876
60 $2,848

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 $197

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $71
Homeowner $19
5-yr Accident Free $111
5-yr Claim Free $92
Paid in Full/EFT $71
Advance Quote $73
Online Quote $103
Total Discounts $618
Rate after discounts $784

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

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