Cadillac CT5 Insurance Rates

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Save on 2020 Cadillac CT5 Insurance Quotes in 2025

Searching for better insurance coverage rates for your Cadillac CT5? Having to pay for expensive insurance coverage can diminish your savings and put a big crunch on your finances. Comparison shopping can be a smart way to cut your insurance bill. There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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The average insurance rates for a Cadillac CT5 are $1,402 a year for full coverage. Comprehensive insurance costs on average $368 each year, collision costs $640, and liability is $284. Liability-only coverage costs around $328 a year, with high-risk coverage costing $3,018 or more. Teens cost the most to insure at $4,894 a year or more.

Average premium for full coverage: $1,402

Policy rates by type of insurance:

Comprehensive $368
Collision $640
Liability $284

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and CT5 models.

Price Range Variability

For a 40-year-old driver, Cadillac CT5 insurance rates go from as low as $328 for just liability insurance to a high rate of $3,018 for coverage for higher-risk drivers.

Liability Only $328
Full Coverage $1,402
High Risk $3,018

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

The examples above show why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based 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.

More Rate Details

The chart below shows estimated Cadillac CT5 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $784
  • Raising to $1,000 deductibles will save around $228 a year
  • The average rate for a good driver age 40 with $500 deductibles is $1,402
  • Selecting low deductibles will cost an extra $444 annually
  • Drivers with serious driving violations could pay upwards of $3,018 or more
  • Policy cost for full coverage for a 16-year-old driver may cost $4,894

View Chart as Image

Cadillac CT5 insurance cost comparison chart
Column chart showing full coverage Cadillac CT5 insurance prices range from $784 to $4,894

Insurance rates for a Cadillac CT5 also range considerably based on your risk profile, the trim level of your CT5, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

Your home state also has a big influence on Cadillac CT5 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.

Cadillac CT5 Insurance Rates by State
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%

View Chart as Image

Cadillac CT5 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $255 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.

Cadillac CT5 Insurance Rates by Model Year
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 Low Cost Cadillac CT5 Insurance

Finding cheaper rates on insurance for a Cadillac CT5 consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a review of the primary concepts that were illustrated above.

  • Drivers can save as much as $180 per year simply by quoting online in advance
  • Drivers considered higher risk who have several accidents or serious violations will pay on average $1,620 more each year to insure their CT5
  • Increasing comprehensive and collision deductibles can save around $675 each year
  • Teen drivers pay higher rates, costing up to $408 each month including comprehensive and collision insurance

Rates by Driver Age

Cadillac CT5 Insurance 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

Cadillac CT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,640
$500 $1,402
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT5 Insurance Rates with Different Liability Limits
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

Cadillac CT5 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $784

Discounts are estimated and may not be available from every company or in every state.

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