Cadillac CT5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Cadillac CT5 are $1,368 every 12 months including full coverage. Comprehensive insurance costs on average $348, collision costs $618, and liability insurance is $292. A policy with just liability insurance costs around $336 a year, with coverage for high-risk drivers costing $2,950 or more. Teen drivers pay the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,368
Price estimates by individual coverage:
Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all CT5 models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac CT5 insurance prices go from the cheapest price of $336 for just liability insurance to the much higher price of $2,950 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects car insurance rates.
The ranges above highlight why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.
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 breaks down estimated Cadillac CT5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $766
- Raising to $1,000 deductibles will save around $220 every year
- The average price for the average middle-age driver with $500 deductibles is $1,368
- Choosing pricier low deductibles costs an extra $426 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,950 or more
- The price to insure a teen driver for full coverage may cost $4,814
Insurance prices for a Cadillac CT5 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your CT5.
Choosing high deductibles can reduce prices by up to $650 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $263 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Cadillac CT5 insurance for high-risk drivers is expensive and can cost anywhere from 46% to 131% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Cadillac CT5 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,950 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite 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 Shop for More Affordable Cadillac CT5 Insurance
Getting lower rates on Cadillac CT5 insurance consists of being a safe and courteous driver, having good credit, being claim-free, and bundling your home and auto policies. Take the time to comparison shop at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,580 more each year for auto insurance
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $650 each year
- Drivers who require higher levels of liability will pay about $320 per year to raise from a low limit to a 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
