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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Estimated insurance prices for a Cadillac CT5 are $1,368 every 12 months including full coverage. Comprehensive insurance costs approximately $348 each year, collision insurance costs $618, and liability insurance is $292. A policy with only liability insurance costs around $336 a year, and a high-risk policy costs $2,950 or more. Teens pay the most at up to $4,814 a year.
Average premium for full coverage: $1,368
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and CT5 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac CT5 range from the cheapest price of $336 for just the minimum liability insurance to a high rate of $2,950 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying 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.
Additional Rate Analysis
The chart below breaks down average Cadillac CT5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $766
- Raising to $1,000 deductibles will save $220 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,368
- Selecting low deductibles costs an extra $426 a year
- Higher-risk drivers with serious driving violations could pay around $2,950
- An auto insurance policy to insure a teen driver can cost $4,814
Car insurance prices for a Cadillac CT5 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your CT5.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $650 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $263 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 46% to 131% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Cadillac CT5 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Cheap Cadillac CT5 Insurance
Finding better rates on Cadillac CT5 insurance consists of being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a brief summary of the material that was covered in the charts and tables above.
- Drivers who purchase more liability coverage will pay approximately $320 per year to raise from 30/60 bodily injury limits to a 250/500 level
- Teen drivers pay the highest auto insurance prices, with the cost nearing $401 per month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,580 more per year to insure their CT5
- Increasing policy deductibles could save as much as $650 each year
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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