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 $1,434 a year for full coverage. Comprehensive insurance costs approximately $382, collision insurance costs $668, and liability is $274. Liability-only insurance costs around $322 a year, and high-risk driver insurance costs $3,088 or more. 16-year-old drivers pay the highest rates at up to $4,980 a year.
Average premium for full coverage: $1,434
Price estimates by individual coverage:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all CT5 models.
Price Range from Low to High
For the normal driver, Cadillac CT5 insurance prices range from the low end price of $322 for your basic liability-only policy to the much higher price of $3,088 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.
The ranges above show why everyone should compare rates quotes using their specific location, instead of using 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.
More Rate Information
The chart below shows average Cadillac CT5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $800
- Raising to $1,000 deductibles will save $238 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,434
- Buying pricier low deductibles will cost an additional $462 every year
- At-risk drivers with multiple tickets or accidents could pay around $3,088
- The price that insures a teen driver for full coverage can cost $4,980
Car insurance prices for a Cadillac CT5 are also quite variable based on the model of your CT5, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Cadillac CT5 insurance for high-risk drivers is expensive and can cost as much as 46% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age
The state you live in also has a big influence on Cadillac CT5 insurance prices. A middle-age driver might find prices as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $2,050 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,296 | -$138 | -9.6% |
| Alaska | $1,098 | -$336 | -23.4% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,634 | $200 | 13.9% |
| Colorado | $1,368 | -$66 | -4.6% |
| Connecticut | $1,472 | $38 | 2.6% |
| Delaware | $1,622 | $188 | 13.1% |
| Florida | $1,792 | $358 | 25.0% |
| Georgia | $1,326 | -$108 | -7.5% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $970 | -$464 | -32.4% |
| Kansas | $1,360 | -$74 | -5.2% |
| Kentucky | $1,954 | $520 | 36.3% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $884 | -$550 | -38.4% |
| Maryland | $1,182 | -$252 | -17.6% |
| Massachusetts | $1,144 | -$290 | -20.2% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,716 | $282 | 19.7% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,128 | -$306 | -21.3% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,600 | $166 | 11.6% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,512 | $78 | 5.4% |
| North Carolina | $824 | -$610 | -42.5% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,470 | $36 | 2.5% |
| Oregon | $1,316 | -$118 | -8.2% |
| Pennsylvania | $1,368 | -$66 | -4.6% |
| Rhode Island | $1,912 | $478 | 33.3% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,254 | -$180 | -12.6% |
| Texas | $1,726 | $292 | 20.4% |
| Utah | $1,062 | -$372 | -25.9% |
| Vermont | $978 | -$456 | -31.8% |
| Virginia | $858 | -$576 | -40.2% |
| Washington | $1,106 | -$328 | -22.9% |
| West Virginia | $1,316 | -$118 | -8.2% |
| Wisconsin | $992 | -$442 | -30.8% |
| Wyoming | $1,276 | -$158 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $700 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $432 | $718 | $246 | $1,506 |
| 2023 Cadillac CT5 | $412 | $690 | $258 | $1,470 |
| 2022 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2021 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2020 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
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 car insurance consists of having a good driving record, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Comparison shop every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The next list is a brief summary of the ideas that were presented in the illustrations above.
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $415 a month if full coverage is purchased
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,650 more per year to buy Cadillac CT5 insurance
- Increasing physical damage deductibles can save approximately $700 each year
- Drivers can save around $180 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,980 |
| 20 | $3,272 |
| 30 | $1,518 |
| 40 | $1,434 |
| 50 | $1,304 |
| 60 | $1,280 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,896 |
| $250 | $1,680 |
| $500 | $1,434 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,489 |
| 100/300 | $1,557 |
| 250/500 | $1,735 |
| 100 CSL | $1,516 |
| 300 CSL | $1,667 |
| 500 CSL | $1,777 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $5,206 |
| 30 | $3,182 |
| 40 | $3,088 |
| 50 | $2,940 |
| 60 | $2,914 |
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 | $79 |
| Multi-vehicle | $73 |
| Homeowner | $19 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $73 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $634 |
Discounts are estimated and may not be available from every company or in every state.
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