Cadillac CT6 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: Apr 24, 2024
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The average insurance rates for a Cadillac CT6 are $1,464 a year with full coverage. Comprehensive insurance costs on average $298, collision costs $548, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $3,178 or more. Teen drivers 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:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all CT6 models.
Price Range Variability
For a driver around age 40, Cadillac CT6 insurance rates go from as low as $510 for minimum levels of liability insurance to the much higher price of $3,178 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above demonstrate why everyone should compare prices based on a specific location and risk profile, 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 details estimated Cadillac CT6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $838
- Using higher $1,000 deductibles will save around $192 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,464
- Choosing pricier low deductibles for physical damage coverage will cost an extra $372 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,178 or more
- Policy cost for full coverage for a teen driver for full coverage may cost $5,512 or more
Car insurance rates for a Cadillac CT6 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age
Your home state has a huge impact on Cadillac CT6 insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,980 on average in Florida, Michigan, and New York.
| 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 high deductibles could cut rates by as much as $570 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra every year, depending on your age. Cadillac CT6 insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
| 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 Cheapest Cadillac CT6 Insurance
Finding cheaper rates on Cadillac CT6 insurance requires being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a recap of the concepts that were covered above.
- High-risk drivers that have major violations or accidents may be required to pay an average of $1,710 more each year to insure their CT6
- Teen drivers are expensive to insure, as much as $459 each month if full coverage is included
- You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $575 each year
- You may be able to save as much as $180 per year simply by quoting online well ahead of the renewal date
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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