Cadillac CT5 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac CT5 are $1,368 a year for full coverage insurance. Comprehensive insurance costs approximately $348, collision costs $618, and liability is estimated at $292. A policy with just liability insurance costs approximately $336 a year, with coverage for high-risk drivers costing $2,950 or more. 16-year-old drivers pay the highest rates at $4,814 a year or more.

Average premium for full coverage: $1,368

Price estimates by individual coverage:

Comprehensive $348
Collision $618
Liability $292

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different CT5 trim levels.

Price Range from Low to High

For a driver around age 40, Cadillac CT5 insurance prices go from as low as $336 for minimum levels of liability insurance to a much higher rate of $2,950 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, 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 Rate Details

The chart below illustrates estimated Cadillac CT5 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $766
  • Choosing higher $1,000 deductibles can save $220 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,368
  • Buying more expensive low deductibles for comp and collision coverage will cost an extra $426 annually
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,950 or more
  • The price for full coverage for a 16-year-old driver with full coverage can cost $4,814 each year

View Chart as Image

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

Insurance prices for a Cadillac CT5 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

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

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

Opting for high physical damage deductibles can save as much as $650 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $263 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges from 46% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Find Cheap Cadillac CT5 Insurance

Getting lower rates on insurance for a Cadillac CT5 takes avoiding accidents and claims, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a brief summary of the concepts that were covered above.

  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,580 more per year to insure a Cadillac CT5
  • Drivers under the age of 20 are expensive to insure, as much as $401 a month for full coverage
  • It is possible to save around $170 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $650 each year
  • It is possible to save around $170 per year simply by shopping early and online

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.

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