Cadillac CT5 Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive costs around $348, collision insurance costs $618, and liability costs around $292. Liability-only insurance costs as low as $336 a year, and high-risk driver 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 for type of coverage:
These estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all 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 basic liability insurance to the much higher price of $2,950 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why everyone should compare prices for a specific zip code 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.
Rate Comparisons
The chart below details average Cadillac CT5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $766
- Using higher $1,000 deductibles will save about $220 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,368
- Using pricier low deductibles for physical damage coverage increases the price to $1,794
- High-risk insureds who are prone to accidents and violations could pay at least $2,950
- An auto insurance policy to insure a 16-year-old driver for full coverage can be $4,814 or more
Insurance prices for a Cadillac CT5 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $650 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $263 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 additional annually, depending on your age. Cadillac CT5 insurance for high-risk drivers can be from 46% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Cadillac CT5 insurance prices. A driver around age 40 might see prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,850 on average in Florida, Michigan, and New York.
| 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 insurance for a Cadillac CT5 requires not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every year by obtaining price quotes from direct companies, and also from several local insurance agents.
The following is a brief summary of the coverage data raised in the charts and tables above.
- You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $650 each year
- Teens are charged the highest prices, possibly costing $401 per month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,580 more every year for CT5 insurance
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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