Cadillac CT5 Insurance Rates

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Jeffrey Johnson

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac CT5 are $1,402 a year for full coverage insurance. Comprehensive insurance costs approximately $368 each year, collision insurance costs $640, and liability costs around $284. Buying just liability costs as low as $328 a year, and insurance for high-risk drivers costs $3,018 or more. Teen drivers pay the highest rates at up to $4,894 a year.

Average premium for full coverage: $1,402

Price estimates by individual coverage:

Comprehensive $368
Collision $640
Liability $284

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and CT5 models.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac CT5 insurance prices range from as low as $328 for minimum levels of liability insurance to a high rate of $3,018 for a high-risk driver policy.

Liability Only $328
Full Coverage $1,402
High Risk $3,018

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

The ranges above illustrate why all drivers should compare prices using their specific location and risk profile, instead of making a decision based 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.

Additional Rate Details

The chart below illustrates average Cadillac CT5 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $784
  • Using higher $1,000 deductibles will save $228 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,402
  • Choosing low deductibles for physical damage coverage will cost an extra $444 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,018
  • The price for full coverage for a 16-year-old driver can cost $4,894 or more

View Chart as Image

Cadillac CT5 insurance cost comparison chart
Column chart showing Cadillac CT5 insurance prices range from $784 to $4,894 for full coverage

Insurance prices for a Cadillac CT5 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Cadillac CT5 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,890 on average in Florida, New York, and Michigan.

Cadillac CT5 Insurance Rates by State
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%

View Chart as Image

Cadillac CT5 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $680 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $255 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be from 45% to 128% more than average. View High Risk Driver Rates

Cadillac CT5 Insurance Rates by Model Year
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 Find the Best Cheap Cadillac CT5 Insurance

Getting lower rates on insurance for a Cadillac CT5 requires not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a quick review of the information touched on in the above illustrations.

  • It is possible to save around $180 per year just by quoting online in advance
  • Teens are the costliest to insure, as much as $408 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles can save around $675 each year
  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,620 more per year for CT5 insurance
  • Insureds who purchase higher liability limits will pay about $310 annually to increase from a low limit to 250/500 limits

Rates by Driver Age

Cadillac CT5 Insurance 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

Cadillac CT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,640
$500 $1,402
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT5 Insurance Rates with Different Liability Limits
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

Cadillac CT5 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $784

Discounts are estimated and may not be available from every company or in every state.

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