Cadillac CT5 Insurance Rates

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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 costs approximately $348 each year, collision insurance costs $618, and liability is estimated at $292. A liability-only policy costs approximately $336 a year, and high-risk insurance costs around $2,950. Teenage drivers pay the most at up to $4,814 a year.

Average premium for full coverage: $1,368

Premium estimates by type of coverage:

Comprehensive $348
Collision $618
Liability $292

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and CT5 models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Cadillac CT5 range from the cheapest price of $336 for a discount liability-only rate 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 can make a big difference on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

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

These rate differences highlight why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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.

Rates by State, City, and Model

The chart below breaks down average Cadillac CT5 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $766
  • Choosing higher $1,000 deductibles can save $220 every year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,368
  • Using low deductibles for comp and collision coverage increases the price to $1,794
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,950
  • An auto insurance policy to insure a 16-year-old driver can cost $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

Auto 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.

Using high physical damage deductibles can save as much as $650 annually, 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 year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $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 will have to pay 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 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 46% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Cadillac CT5 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, 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
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 the Best Cadillac CT5 Insurance

Finding better rates on insurance for a Cadillac CT5 takes avoiding accidents and claims, having a good credit score, refrain from filing small claims, and possibly higher deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief recap of the ideas that were raised in the charts and tables above.

  • Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $401 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,580 more per year to insure a Cadillac CT5
  • Increasing policy deductibles could save as much as $650 each year
  • You may be able to save around $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.

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