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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Average insurance rates for a Cadillac CT5 are $1,368 a year with full coverage. Comprehensive costs around $348, collision costs $618, and liability is estimated at $292. A liability-only policy costs approximately $336 a year, with high-risk insurance costing around $2,950. Teenage drivers receive the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,368
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all CT5 models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $336 for liability-only coverage to the much higher price of $2,950 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.
The example below illustrates how location impacts auto insurance rates.
These examples demonstrate why everyone should get quotes for a specific zip code, instead of using 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.
Additional Charts and Tables
The chart below details estimated Cadillac CT5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $766
- Choosing higher $1,000 deductibles can save about $220 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,368
- Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,794
- Unlucky drivers who are prone to accidents and violations could pay at least $2,950 or more
- The cost that insures a teen driver for full coverage can be $4,814 each year
Insurance rates for a Cadillac CT5 can also vary considerably based on the model of your CT5, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. Cadillac CT5 insurance for high-risk drivers ranges as much as 46% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac CT5 insurance prices. A good driver about age 40 could pay 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% |
Using high physical damage deductibles can save as much as $650 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $263 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.
| 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 Find the Right Cadillac CT5 Insurance
Saving money on car insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare prices once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick rundown of the data that was touched on above.
- You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need increased liability limits will pay an extra $320 every year to raise limits from a minimum limit to the 250/500 level
- Drivers under the age of 20 pay higher rates, with premiums as much as $401 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,580 more every year to insure a Cadillac CT5
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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