Cadillac CT5 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Cadillac CT5 are $1,434 every 12 months for full coverage. Comprehensive costs on average $382, collision insurance costs $668, and liability insurance costs $274. Buying just liability costs as little as $322 a year, and insurance for high-risk drivers costs around $3,088. Teenage drivers receive the highest rates at up to $4,980 a year.
Average premium for full coverage: $1,434
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different CT5 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $322 for the bare minimum liability coverage to a much higher rate of $3,088 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.
These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying 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.
Additional Rate Information
The chart below shows average Cadillac CT5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $800
- Drivers who choose higher $1,000 deductibles will pay around $238 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,434
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,896
- High risk drivers who are prone to accidents and violations could pay upwards of $3,088
- The cost to insure a teen driver with full coverage may cost $4,980 a year
Auto insurance rates for a Cadillac CT5 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your CT5.
Using high physical damage deductibles could save up to $700 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $246 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 46% to 133% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Cadillac CT5 insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,050 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,296 | -$138 | -9.6% |
| Alaska | $1,098 | -$336 | -23.4% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,634 | $200 | 13.9% |
| Colorado | $1,368 | -$66 | -4.6% |
| Connecticut | $1,472 | $38 | 2.6% |
| Delaware | $1,622 | $188 | 13.1% |
| Florida | $1,792 | $358 | 25.0% |
| Georgia | $1,326 | -$108 | -7.5% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $970 | -$464 | -32.4% |
| Kansas | $1,360 | -$74 | -5.2% |
| Kentucky | $1,954 | $520 | 36.3% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $884 | -$550 | -38.4% |
| Maryland | $1,182 | -$252 | -17.6% |
| Massachusetts | $1,144 | -$290 | -20.2% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,716 | $282 | 19.7% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,128 | -$306 | -21.3% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,600 | $166 | 11.6% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,512 | $78 | 5.4% |
| North Carolina | $824 | -$610 | -42.5% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,470 | $36 | 2.5% |
| Oregon | $1,316 | -$118 | -8.2% |
| Pennsylvania | $1,368 | -$66 | -4.6% |
| Rhode Island | $1,912 | $478 | 33.3% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,254 | -$180 | -12.6% |
| Texas | $1,726 | $292 | 20.4% |
| Utah | $1,062 | -$372 | -25.9% |
| Vermont | $978 | -$456 | -31.8% |
| Virginia | $858 | -$576 | -40.2% |
| Washington | $1,106 | -$328 | -22.9% |
| West Virginia | $1,316 | -$118 | -8.2% |
| Wisconsin | $992 | -$442 | -30.8% |
| Wyoming | $1,276 | -$158 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $432 | $718 | $246 | $1,506 |
| 2023 Cadillac CT5 | $412 | $690 | $258 | $1,470 |
| 2022 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2021 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2020 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
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
Saving money on Cadillac CT5 insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a quick review of the concepts that were presented in the illustrations above.
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,650 more each year for CT5 insurance
- Teens are charged the highest rates, costing as high as $415 per month if comprehensive and collision insurance is included
- Drivers can save as much as $180 per year just by shopping early and online
- Increasing deductibles could save as much as $700 each year
- Drivers can save as much as $180 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,980 |
| 20 | $3,272 |
| 30 | $1,518 |
| 40 | $1,434 |
| 50 | $1,304 |
| 60 | $1,280 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,896 |
| $250 | $1,680 |
| $500 | $1,434 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,489 |
| 100/300 | $1,557 |
| 250/500 | $1,735 |
| 100 CSL | $1,516 |
| 300 CSL | $1,667 |
| 500 CSL | $1,777 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $5,206 |
| 30 | $3,182 |
| 40 | $3,088 |
| 50 | $2,940 |
| 60 | $2,914 |
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 | $79 |
| Multi-vehicle | $73 |
| Homeowner | $19 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $73 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $634 |
Discounts are estimated and may not be available from every company or in every state.
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