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...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac CT5 are $1,402 a year including full coverage. Comprehensive costs around $368 a year, collision costs $640, and liability is estimated at $284. Liability-only insurance costs approximately $328 a year, with high-risk driver insurance costing around $3,018. Teen drivers pay the highest rates at $4,894 a year or more.
Average premium for full coverage: $1,402
Price estimates for individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and CT5 trim levels.
Price Range from Low to High
For the normal driver, Cadillac CT5 insurance prices go from the low end price of $328 for just the minimum liability insurance to a high of $3,018 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code, instead of making a decision based on price 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 Analysis
The chart below breaks down estimated Cadillac CT5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $784
- Choosing higher $1,000 deductibles can save about $1,174 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,402
- Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,846
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,018 or more
- The price that insures a 16-year-old driver can be $4,894 each year
Car insurance prices for a Cadillac CT5 are also quite variable based on the trim level of your CT5, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges from 45% to 128% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $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 $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,000 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$136 | -9.7% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,166 | -$236 | -16.8% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,596 | $194 | 13.8% |
| Colorado | $1,338 | -$64 | -4.6% |
| Connecticut | $1,440 | $38 | 2.7% |
| Delaware | $1,584 | $182 | 13.0% |
| Florida | $1,750 | $348 | 24.8% |
| Georgia | $1,296 | -$106 | -7.6% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $950 | -$452 | -32.2% |
| Illinois | $1,046 | -$356 | -25.4% |
| Indiana | $1,058 | -$344 | -24.5% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,910 | $508 | 36.2% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $862 | -$540 | -38.5% |
| Maryland | $1,156 | -$246 | -17.5% |
| Massachusetts | $1,118 | -$284 | -20.3% |
| Michigan | $2,432 | $1,030 | 73.5% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,104 | -$298 | -21.3% |
| Nevada | $1,680 | $278 | 19.8% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,564 | $162 | 11.6% |
| New Mexico | $1,240 | -$162 | -11.6% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $806 | -$596 | -42.5% |
| North Dakota | $1,146 | -$256 | -18.3% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,438 | $36 | 2.6% |
| Oregon | $1,286 | -$116 | -8.3% |
| Pennsylvania | $1,334 | -$68 | -4.9% |
| Rhode Island | $1,868 | $466 | 33.2% |
| South Carolina | $1,268 | -$134 | -9.6% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,226 | -$176 | -12.6% |
| Texas | $1,688 | $286 | 20.4% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $958 | -$444 | -31.7% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,080 | -$322 | -23.0% |
| West Virginia | $1,288 | -$114 | -8.1% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,246 | -$156 | -11.1% |
Choosing high deductibles can save as much as $680 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $255 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $412 | $690 | $258 | $1,470 |
| 2023 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2022 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2021 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
| 2020 Cadillac CT5 | $348 | $618 | $292 | $1,368 |
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 the Best Cadillac CT5 Insurance
Getting lower rates on insurance for a Cadillac CT5 takes avoiding accidents and violations, having a positive credit history, being claim-free, and qualifying for all possible discounts. Shop around at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The list below is a brief recap of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,620 more every year for car insurance
- You may be able to save up to $180 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $675 each year
- Insureds who may need higher liability limits will pay about $310 per year to raise limits from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $3,196 |
| 30 | $1,484 |
| 40 | $1,402 |
| 50 | $1,276 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,640 |
| $500 | $1,402 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,459 |
| 100/300 | $1,530 |
| 250/500 | $1,714 |
| 100 CSL | $1,487 |
| 300 CSL | $1,643 |
| 500 CSL | $1,757 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,048 |
| 20 | $5,086 |
| 30 | $3,108 |
| 40 | $3,018 |
| 50 | $2,876 |
| 60 | $2,848 |
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 | $78 |
| Multi-vehicle | $71 |
| Homeowner | $19 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $71 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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