Cadillac CT5 Insurance Rates

The average insurance rates for a Cadillac CT5 are $1,368 a year for full coverage. Comprehensive insurance costs an estimated $348, collision insurance costs $618, and liability is $292. A liability-only policy costs around $336 a year, and high-risk insurance costs $2,950 or more. 16-year-old drivers cost the most to insure at up to $4,814 a year.

Average premium for full coverage: $1,368

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different CT5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Cadillac CT5 insurance rates for other coverage scenarios.

• The best full coverage rate is $766
• Raising to $1,000 deductibles will save approximately $220 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,368
• Buying more expensive low deductibles will cost an additional $426 every year
• At-risk drivers with multiple tickets or accidents could pay up to $2,950
• Policy cost that insures a teen driver with full coverage can cost as much as $4,814

View Chart as Image

Car insurance rates for a Cadillac CT5 also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 46% to 131% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

Your home state also has a big influence on Cadillac CT5 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $650 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $263 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Cadillac CT5 Insurance

Finding cheaper rates on car insurance consists of being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief review of the material that was covered in the above illustrations.

• Policyholders who want more liability protection will pay around $320 each year to raise from a 30/60 limit to the 250/500 level
• Youthful drivers have the highest car insurance rates, costing up to $401 each month if full coverage is purchased
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,580 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $650 each year