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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The average insurance prices for a Cadillac CT5 are $1,402 every 12 months for full coverage. Comprehensive costs approximately $368, collision costs $640, and liability is $284. A liability-only policy costs around $328 a year, with high-risk insurance 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 by type of insurance:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different CT5 trim levels.
Price Range Variability
For the average driver, Cadillac CT5 insurance rates go from the cheapest price of $328 for minimum levels of liability insurance to a much higher rate of $3,018 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how location impacts auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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.
Additional Rate Details
The chart below shows estimated Cadillac CT5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $784
- Raising to $1,000 deductibles will save $228 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,402
- Selecting more expensive low deductibles increases the price to $1,846
- Drivers with serious driving violations could pay around $3,018 or more
- Policy cost to insure a 16-year-old driver with full coverage can cost $4,894
Car insurance rates for a Cadillac CT5 also range considerably based on liability limits and deductibles, your driver profile, and the model of your CT5.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $680 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $255 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 128% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Cadillac CT5 insurance prices. A middle-age driver might find rates 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% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes 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 Shop for Low Cost Cadillac CT5 Insurance
Finding cheaper rates on insurance for a Cadillac CT5 consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a review of the concepts that were touched on above.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,620 more per year than a safer driver
- Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $408 each month if the policy includes full coverage
- Drivers can save around $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $675 each year
- Drivers can save around $180 per year simply by shopping early and online
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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