Cadillac CT6 Insurance Rates
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UPDATED: Apr 24, 2024
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Estimated insurance rates for a Cadillac CT6 are $1,534 a year for full coverage insurance. Comprehensive costs on average $310 each year, collision costs $610, and liability insurance is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing around $3,346. Teen drivers pay the most at $5,758 a year or more.
Average premium for full coverage: $1,534
Premium estimates by type of coverage:
Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and CT6 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac CT6 go from the low end price of $508 for minimum levels of liability insurance to a high rate of $3,346 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates how location helps determine car insurance rates.
These rate differences illustrate why all drivers should compare rates quotes based on a specific location, rather than relying 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 estimated Cadillac CT6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $869
- Raising to $1,000 deductibles will save around $208 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,534
- Choosing low deductibles bumps up the cost to $1,944
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,346 or more
- An auto insurance policy that insures a teen driver may cost $5,758
Car insurance prices for a Cadillac CT6 also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,700 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac CT6 insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,070 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,388 | -$146 | -9.5% |
| Alaska | $1,178 | -$356 | -23.2% |
| Arizona | $1,274 | -$260 | -16.9% |
| Arkansas | $1,534 | -$0 | 0.0% |
| California | $1,750 | $216 | 14.1% |
| Colorado | $1,468 | -$66 | -4.3% |
| Connecticut | $1,580 | $46 | 3.0% |
| Delaware | $1,738 | $204 | 13.3% |
| Florida | $1,922 | $388 | 25.3% |
| Georgia | $1,416 | -$118 | -7.7% |
| Hawaii | $1,104 | -$430 | -28.0% |
| Idaho | $1,038 | -$496 | -32.3% |
| Illinois | $1,146 | -$388 | -25.3% |
| Indiana | $1,156 | -$378 | -24.6% |
| Iowa | $1,036 | -$498 | -32.5% |
| Kansas | $1,458 | -$76 | -5.0% |
| Kentucky | $2,096 | $562 | 36.6% |
| Louisiana | $2,272 | $738 | 48.1% |
| Maine | $948 | -$586 | -38.2% |
| Maryland | $1,266 | -$268 | -17.5% |
| Massachusetts | $1,228 | -$306 | -19.9% |
| Michigan | $2,668 | $1,134 | 73.9% |
| Minnesota | $1,286 | -$248 | -16.2% |
| Mississippi | $1,840 | $306 | 19.9% |
| Missouri | $1,362 | -$172 | -11.2% |
| Montana | $1,650 | $116 | 7.6% |
| Nebraska | $1,210 | -$324 | -21.1% |
| Nevada | $1,840 | $306 | 19.9% |
| New Hampshire | $1,106 | -$428 | -27.9% |
| New Jersey | $1,716 | $182 | 11.9% |
| New Mexico | $1,360 | -$174 | -11.3% |
| New York | $1,618 | $84 | 5.5% |
| North Carolina | $884 | -$650 | -42.4% |
| North Dakota | $1,256 | -$278 | -18.1% |
| Ohio | $1,060 | -$474 | -30.9% |
| Oklahoma | $1,576 | $42 | 2.7% |
| Oregon | $1,406 | -$128 | -8.3% |
| Pennsylvania | $1,464 | -$70 | -4.6% |
| Rhode Island | $2,048 | $514 | 33.5% |
| South Carolina | $1,392 | -$142 | -9.3% |
| South Dakota | $1,296 | -$238 | -15.5% |
| Tennessee | $1,344 | -$190 | -12.4% |
| Texas | $1,850 | $316 | 20.6% |
| Utah | $1,138 | -$396 | -25.8% |
| Vermont | $1,052 | -$482 | -31.4% |
| Virginia | $920 | -$614 | -40.0% |
| Washington | $1,188 | -$346 | -22.6% |
| West Virginia | $1,406 | -$128 | -8.3% |
| Wisconsin | $1,062 | -$472 | -30.8% |
| Wyoming | $1,368 | -$166 | -10.8% |
Choosing high deductibles can reduce prices by up to $620 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac CT6 | $356 | $724 | $430 | $1,668 |
| 2019 Cadillac CT6 | $336 | $698 | $442 | $1,634 |
| 2018 Cadillac CT6 | $324 | $648 | $452 | $1,582 |
| 2017 Cadillac CT6 | $310 | $610 | $456 | $1,534 |
| 2016 Cadillac CT6 | $298 | $548 | $460 | $1,464 |
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 Best Cadillac CT6 Insurance
Finding better rates on Cadillac CT6 insurance consists of being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a brief recap of the data that was covered in the charts and tables above.
- It is possible to save as much as $190 per year simply by quoting online in advance
- Drivers who require higher levels of liability will pay about $500 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers are expensive to insure, with premiums being up to $480 per month if full coverage is purchased
- High-risk drivers who tend to receive serious violations may pay on average $1,810 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,758 |
| 20 | $3,568 |
| 30 | $1,602 |
| 40 | $1,534 |
| 50 | $1,402 |
| 60 | $1,376 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,944 |
| $250 | $1,754 |
| $500 | $1,534 |
| $1,000 | $1,326 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,534 |
| 50/100 | $1,625 |
| 100/300 | $1,739 |
| 250/500 | $2,036 |
| 100 CSL | $1,671 |
| 300 CSL | $1,922 |
| 500 CSL | $2,104 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,234 |
| 20 | $5,690 |
| 30 | $3,418 |
| 40 | $3,346 |
| 50 | $3,194 |
| 60 | $3,168 |
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 | $83 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $72 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $665 |
Discounts are estimated and may not be available from every company or in every state.
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