Cadillac CT5 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac CT5 are $1,402 a year for full coverage. Comprehensive costs an estimated $368, collision costs $640, and liability costs $284. Liability-only coverage costs as little as $328 a year, with high-risk coverage costing around $3,018. Teens cost the most to insure at $4,894 a year or more.
Average premium for full coverage: $1,402
Policy rates broken down by type of insurance:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different CT5 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac CT5 insurance rates go from the low end price of $328 for your basic liability-only policy to a much higher rate of $3,018 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above show why anyone shopping for car insurance should compare rates for a targeted area, 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.
More Rate Information
The chart below shows estimated Cadillac CT5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $784
- Drivers who choose higher $1,000 deductibles will pay approximately $228 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,402
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,846
- Drivers with serious driving violations could pay up to $3,018 or more
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,894 a year
Insurance rates for a Cadillac CT5 also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost from 45% to 128% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age
Your home state makes a big difference in Cadillac CT5 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$136 | -9.7% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,166 | -$236 | -16.8% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,596 | $194 | 13.8% |
| Colorado | $1,338 | -$64 | -4.6% |
| Connecticut | $1,440 | $38 | 2.7% |
| Delaware | $1,584 | $182 | 13.0% |
| Florida | $1,750 | $348 | 24.8% |
| Georgia | $1,296 | -$106 | -7.6% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $950 | -$452 | -32.2% |
| Illinois | $1,046 | -$356 | -25.4% |
| Indiana | $1,058 | -$344 | -24.5% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,910 | $508 | 36.2% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $862 | -$540 | -38.5% |
| Maryland | $1,156 | -$246 | -17.5% |
| Massachusetts | $1,118 | -$284 | -20.3% |
| Michigan | $2,432 | $1,030 | 73.5% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,104 | -$298 | -21.3% |
| Nevada | $1,680 | $278 | 19.8% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,564 | $162 | 11.6% |
| New Mexico | $1,240 | -$162 | -11.6% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $806 | -$596 | -42.5% |
| North Dakota | $1,146 | -$256 | -18.3% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,438 | $36 | 2.6% |
| Oregon | $1,286 | -$116 | -8.3% |
| Pennsylvania | $1,334 | -$68 | -4.9% |
| Rhode Island | $1,868 | $466 | 33.2% |
| South Carolina | $1,268 | -$134 | -9.6% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,226 | -$176 | -12.6% |
| Texas | $1,688 | $286 | 20.4% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $958 | -$444 | -31.7% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,080 | -$322 | -23.0% |
| West Virginia | $1,288 | -$114 | -8.1% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,246 | -$156 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $680 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $255 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Every company calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $412 | $690 | $258 | $1,470 |
| 2023 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2022 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2021 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
| 2020 Cadillac CT5 | $348 | $618 | $292 | $1,368 |
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 Cheapest Cadillac CT5 Insurance
Finding cheaper rates on insurance for a Cadillac CT5 not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The following items are a recap of the information raised in the charts and tables above.
- Drivers can save approximately $180 per year simply by shopping early and online
- 16 to 18-year-old drivers are expensive to insure, costing up to $408 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,620 more annually than a driver with a clean driving record
- Insureds who want additional liability coverage will pay approximately $310 each year to go from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $3,196 |
| 30 | $1,484 |
| 40 | $1,402 |
| 50 | $1,276 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,640 |
| $500 | $1,402 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,459 |
| 100/300 | $1,530 |
| 250/500 | $1,714 |
| 100 CSL | $1,487 |
| 300 CSL | $1,643 |
| 500 CSL | $1,757 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,048 |
| 20 | $5,086 |
| 30 | $3,108 |
| 40 | $3,018 |
| 50 | $2,876 |
| 60 | $2,848 |
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 | $78 |
| Multi-vehicle | $71 |
| Homeowner | $19 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $71 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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