Cadillac CT5 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CT5 are $1,368 every 12 months for full coverage. Comprehensive insurance costs an estimated $348, collision insurance costs $618, and liability costs $292. Liability-only coverage costs as little as $336 a year, and high-risk coverage costs $2,950 or more. Teens pay the highest rates at up to $4,814 a year.
Average premium for full coverage: $1,368
Price estimates broken down by individual coverage:
Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different CT5 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac CT5 insurance prices range from the cheapest price of $336 for the bare minimum liability coverage to a much higher rate of $2,950 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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.
Additional Rate Information
The chart below shows average Cadillac CT5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $766
- Drivers who choose higher $1,000 deductibles will pay approximately $220 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,368
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $426 annually
- Drivers with serious driving violations could pay up to $2,950
- The price to insure a 16-year-old driver with full coverage can cost as much as $4,814 a year
Auto insurance prices for a Cadillac CT5 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $650 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $263 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can cost from 46% to 131% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Cadillac CT5 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,950 on average in New York, Louisiana, 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 the Best Cheap Cadillac CT5 Insurance
Getting lower rates on insurance for a Cadillac CT5 not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a quick review of the ideas that were raised in the charts and tables above.
- Teens are the costliest to insure, with premiums as much as $401 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,580 more annually for CT5 insurance
- Increasing physical damage deductibles could save as much as $650 each year
- Drivers can save approximately $170 per year just by shopping early and online
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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