Cadillac CT6 Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance rates for a Cadillac CT6 are $1,464 a year including full coverage. Comprehensive insurance costs approximately $298, collision costs $548, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $3,178 or more. Teens cost the most to insure at $5,512 a year or more.
Average premium for full coverage: $1,464
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different CT6 trim levels.
Price Range Variability
For an average driver, Cadillac CT6 insurance rates go from the low end price of $510 for just the minimum liability insurance to a much higher rate of $3,178 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the effect of geographic area on auto insurance prices.
The examples above highlight why anyone shopping for car insurance should get quotes using their specific location, instead of using 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 Analysis
The chart below breaks down estimated Cadillac CT6 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $838
- Choosing higher $1,000 deductibles can save $192 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,464
- Selecting more expensive low deductibles for comp and collision coverage will cost an additional $372 every year
- Unlucky drivers with serious driving violations could pay around $3,178 or more
- Policy cost that insures a teen driver with full coverage can cost $5,512 each year
Car insurance rates for a Cadillac CT6 also range considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac CT6 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,090 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,324 | -$140 | -9.6% |
| Alaska | $1,122 | -$342 | -23.4% |
| Arizona | $1,216 | -$248 | -16.9% |
| Arkansas | $1,464 | -$0 | 0.0% |
| California | $1,668 | $204 | 13.9% |
| Colorado | $1,398 | -$66 | -4.5% |
| Connecticut | $1,504 | $40 | 2.7% |
| Delaware | $1,656 | $192 | 13.1% |
| Florida | $1,830 | $366 | 25.0% |
| Georgia | $1,350 | -$114 | -7.8% |
| Hawaii | $1,052 | -$412 | -28.1% |
| Idaho | $992 | -$472 | -32.2% |
| Illinois | $1,090 | -$374 | -25.5% |
| Indiana | $1,100 | -$364 | -24.9% |
| Iowa | $988 | -$476 | -32.5% |
| Kansas | $1,390 | -$74 | -5.1% |
| Kentucky | $1,998 | $534 | 36.5% |
| Louisiana | $2,164 | $700 | 47.8% |
| Maine | $904 | -$560 | -38.3% |
| Maryland | $1,208 | -$256 | -17.5% |
| Massachusetts | $1,172 | -$292 | -19.9% |
| Michigan | $2,544 | $1,080 | 73.8% |
| Minnesota | $1,226 | -$238 | -16.3% |
| Mississippi | $1,752 | $288 | 19.7% |
| Missouri | $1,298 | -$166 | -11.3% |
| Montana | $1,572 | $108 | 7.4% |
| Nebraska | $1,154 | -$310 | -21.2% |
| Nevada | $1,754 | $290 | 19.8% |
| New Hampshire | $1,054 | -$410 | -28.0% |
| New Jersey | $1,636 | $172 | 11.7% |
| New Mexico | $1,298 | -$166 | -11.3% |
| New York | $1,542 | $78 | 5.3% |
| North Carolina | $844 | -$620 | -42.3% |
| North Dakota | $1,198 | -$266 | -18.2% |
| Ohio | $1,012 | -$452 | -30.9% |
| Oklahoma | $1,504 | $40 | 2.7% |
| Oregon | $1,340 | -$124 | -8.5% |
| Pennsylvania | $1,396 | -$68 | -4.6% |
| Rhode Island | $1,954 | $490 | 33.5% |
| South Carolina | $1,326 | -$138 | -9.4% |
| South Dakota | $1,236 | -$228 | -15.6% |
| Tennessee | $1,282 | -$182 | -12.4% |
| Texas | $1,764 | $300 | 20.5% |
| Utah | $1,084 | -$380 | -26.0% |
| Vermont | $1,002 | -$462 | -31.6% |
| Virginia | $876 | -$588 | -40.2% |
| Washington | $1,132 | -$332 | -22.7% |
| West Virginia | $1,340 | -$124 | -8.5% |
| Wisconsin | $1,014 | -$450 | -30.7% |
| Wyoming | $1,306 | -$158 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $570 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac CT6 | $336 | $698 | $442 | $1,634 |
| 2019 Cadillac CT6 | $324 | $648 | $452 | $1,582 |
| 2018 Cadillac CT6 | $310 | $610 | $456 | $1,534 |
| 2017 Cadillac CT6 | $298 | $548 | $460 | $1,464 |
| 2016 Cadillac CT6 | $278 | $504 | $460 | $1,400 |
Rates are averaged for all Cadillac CT6 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 Right Cadillac CT6 Insurance
Finding cheaper rates on car insurance takes having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare rates every other policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The following items are a quick rundown of the ideas that were covered in the above illustrations.
- 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums being up to $459 each month if full coverage is purchased
- Higher risk drivers with reckless driving or DUI convictions will likely pay on average $1,710 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $575 each year
- You may be able to save around $180 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,512 |
| 20 | $3,386 |
| 30 | $1,524 |
| 40 | $1,464 |
| 50 | $1,338 |
| 60 | $1,312 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,664 |
| $500 | $1,464 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,464 |
| 50/100 | $1,556 |
| 100/300 | $1,671 |
| 250/500 | $1,970 |
| 100 CSL | $1,602 |
| 300 CSL | $1,855 |
| 500 CSL | $2,039 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,868 |
| 20 | $5,398 |
| 30 | $3,246 |
| 40 | $3,178 |
| 50 | $3,036 |
| 60 | $3,010 |
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 | $78 |
| Homeowner | $22 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $104 |
| Total Discounts | $626 |
Discounts are estimated and may not be available from every company or in every state.
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