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 insurance rates for a Cadillac CT5 are $1,368 a year with full coverage. Comprehensive insurance costs approximately $348 a year, collision costs $618, and liability costs $292. A policy with only liability insurance costs as little as $336 a year, with a high-risk policy costing $2,950 or more. Teens pay the most at $4,814 a year or more.
Average premium for full coverage: $1,368
Premium estimates by type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and CT5 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac CT5 go from as low as $336 for a discount liability-only rate to a high of $2,950 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why it is important to compare rates using their specific location and risk profile, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below details estimated Cadillac CT5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $766
- Drivers who choose higher $1,000 deductibles will pay $1,148 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,368
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $426 annually
- Drivers with serious driving violations could pay around $2,950 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $4,814 a year
Car insurance prices for a Cadillac CT5 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac CT5 insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $650 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $263 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost from 46% to 131% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.
| 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 Find More Affordable Cadillac CT5 Insurance
Finding better rates on insurance for a Cadillac CT5 not only requires being a low-risk driver, but also having above-average credit, being claim-free, and avoiding coverage lapses. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a summary of the data touched on in the above illustrations.
- Insureds who purchase more liability coverage will pay approximately $320 every year to go from 30/60 bodily injury limits to 250/500 limits
- You may be able to save around $170 per year simply by quoting early and online
- Increasing policy deductibles can save around $650 each year
- Teen drivers pay the highest auto insurance prices, possibly costing $401 per month if full coverage is included
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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