Cadillac CT5 Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance prices for a Cadillac CT5 are $1,368 every 12 months for full coverage insurance. Comprehensive costs around $348 each year, collision insurance costs $618, and liability coverage is estimated at $292. Liability-only insurance costs approximately $336 a year, and high-risk driver insurance costs around $2,950. Teens pay the most at up to $4,814 a year.

Average premium for full coverage: $1,368

Premium estimates for type of coverage:

Comprehensive $348
Collision $618
Liability $292

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and CT5 models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Cadillac CT5 range from the cheapest price of $336 for liability-only coverage to a high rate of $2,950 for a driver who has had serious violations or accidents.

Liability Only $336
Full Coverage $1,368
High Risk $2,950

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

These rate differences illustrate why all drivers should get quotes for a specific zip code and their own driving history, rather than using 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.

Additional Charts and Tables

The chart below illustrates average Cadillac CT5 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $766
  • Choosing higher $1,000 deductibles can save about $220 each year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,368
  • Selecting low deductibles for comp and collision coverage increases the price to $1,794
  • Drivers with serious driving violations could pay at least $2,950
  • An auto insurance policy to insure a teenage driver can be $4,814 each year

View Chart as Image

Cadillac CT5 insurance cost comparison chart
Column chart showing Cadillac CT5 insurance rates range from $766 to $4,814 for full coverage

Insurance prices for a Cadillac CT5 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $650 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $263 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers ranges around 46% to 131% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Cadillac CT5 insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,850 on average in Michigan, New York, and Florida.

Cadillac CT5 Insurance Rates by State
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%

View Chart as Image

Cadillac CT5 insurance rates by U.S. city
Cadillac CT5 Insurance Rates by Model Year
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 Shop for Cheaper Cadillac CT5 Insurance

Finding better rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a condensed summary of the ideas that were covered above.

  • Teen drivers are charged the highest prices, with premiums being up to $401 per month if full coverage is included
  • Drivers with multiple at-fault accidents may pay on average $1,580 more every year to insure their CT5
  • Increasing policy deductibles could save as much as $650 each year
  • It is possible to save up to $170 per year just by quoting online in advance

Rates by Driver Age

Cadillac CT5 Insurance 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

Cadillac CT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,794
$250 $1,596
$500 $1,368
$1,000 $1,148

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT5 Insurance Rates with Different Liability Limits
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

Cadillac CT5 Insurance 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.

SR-22 Surcharge $193

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
Rate after discounts $766

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles