Cadillac CTS Insurance Rates
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UPDATED: May 23, 2024
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How much is insurance on a Cadillac CTS compared to other vehicles? Cadillac CTS insurance rates average $1,510 a year, or $125 a month. While the Cadillac average price of insurance may vary slightly by model year, such as 2005 versus 2006 CTS insurance costs, the rates should be around $1,510.
To start saving on the insurance cost of a Cadillac CTS in your area, enter your ZIP code in our free rate comparison tool above.
The average auto insurance rates for a Cadillac CTS are $1,368 annually for full coverage insurance. Comprehensive costs an estimated $260, collision costs $494, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,974. Teenage drivers cost the most to insure at $5,224 a year or more.
Average premium for full coverage: $1,368
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different CTS trim levels.
Price Range Variability
For a driver in their 40's, Cadillac CTS insurance rates go from as cheap as $508 for just liability coverage to a much higher rate of $2,974 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Cadillac CTS insurance rates for other coverage scenarios.
- The best discount rate is $786
- Drivers who choose higher $1,000 deductibles will pay approximately $172 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,368
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,700
- High risk drivers who are prone to accidents and violations could pay up to $2,974 or more
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,224 a year
Insurance rates for a Cadillac CTS also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $510 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac CTS insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,850 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,236 | -$132 | -9.6% |
| Alaska | $1,050 | -$318 | -23.2% |
| Arizona | $1,136 | -$232 | -17.0% |
| Arkansas | $1,368 | -$0 | 0.0% |
| California | $1,558 | $190 | 13.9% |
| Colorado | $1,308 | -$60 | -4.4% |
| Connecticut | $1,406 | $38 | 2.8% |
| Delaware | $1,548 | $180 | 13.2% |
| Florida | $1,710 | $342 | 25.0% |
| Georgia | $1,262 | -$106 | -7.7% |
| Hawaii | $982 | -$386 | -28.2% |
| Idaho | $924 | -$444 | -32.5% |
| Illinois | $1,020 | -$348 | -25.4% |
| Indiana | $1,030 | -$338 | -24.7% |
| Iowa | $924 | -$444 | -32.5% |
| Kansas | $1,298 | -$70 | -5.1% |
| Kentucky | $1,866 | $498 | 36.4% |
| Louisiana | $2,022 | $654 | 47.8% |
| Maine | $844 | -$524 | -38.3% |
| Maryland | $1,128 | -$240 | -17.5% |
| Massachusetts | $1,094 | -$274 | -20.0% |
| Michigan | $2,378 | $1,010 | 73.8% |
| Minnesota | $1,146 | -$222 | -16.2% |
| Mississippi | $1,640 | $272 | 19.9% |
| Missouri | $1,212 | -$156 | -11.4% |
| Montana | $1,470 | $102 | 7.5% |
| Nebraska | $1,076 | -$292 | -21.3% |
| Nevada | $1,640 | $272 | 19.9% |
| New Hampshire | $986 | -$382 | -27.9% |
| New Jersey | $1,528 | $160 | 11.7% |
| New Mexico | $1,212 | -$156 | -11.4% |
| New York | $1,442 | $74 | 5.4% |
| North Carolina | $788 | -$580 | -42.4% |
| North Dakota | $1,118 | -$250 | -18.3% |
| Ohio | $944 | -$424 | -31.0% |
| Oklahoma | $1,404 | $36 | 2.6% |
| Oregon | $1,252 | -$116 | -8.5% |
| Pennsylvania | $1,304 | -$64 | -4.7% |
| Rhode Island | $1,824 | $456 | 33.3% |
| South Carolina | $1,238 | -$130 | -9.5% |
| South Dakota | $1,154 | -$214 | -15.6% |
| Tennessee | $1,198 | -$170 | -12.4% |
| Texas | $1,646 | $278 | 20.3% |
| Utah | $1,014 | -$354 | -25.9% |
| Vermont | $938 | -$430 | -31.4% |
| Virginia | $820 | -$548 | -40.1% |
| Washington | $1,056 | -$312 | -22.8% |
| West Virginia | $1,252 | -$116 | -8.5% |
| Wisconsin | $948 | -$420 | -30.7% |
| Wyoming | $1,220 | -$148 | -10.8% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,334 | $111 |
| Cadillac CTS | $1,334 | $111 |
| Cadillac CTS Luxury AWD | $1,368 | $114 |
| Cadillac CTS Performance AWD | $1,368 | $114 |
| Cadillac CTS Luxury | $1,368 | $114 |
| Cadillac CTS Performance | $1,368 | $114 |
| Cadillac CTS Sport | $1,368 | $114 |
| Cadillac CTS Premium | $1,400 | $117 |
| Cadillac CTS Premium AWD | $1,434 | $120 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS | $270 | $524 | $452 | $1,404 |
| 2018 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2017 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2016 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2015 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2014 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2013 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2012 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2011 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2010 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2009 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2008 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2007 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2006 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2005 Cadillac CTS | $144 | $188 | $442 | $932 |
Rates are averaged for all Cadillac CTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cadillac CTS Insurance
Finding cheaper rates on Cadillac CTS insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and taking advantage of discounts. Invest time comparing rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief recap of the coverage data covered in the charts and tables above.
- It is possible to save approximately $170 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $500 each year
- Teenagers are charged the highest rates, possibly costing $435 each month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations may pay on average $1,610 more annually for car insurance
The best way to save on Cadillac CTS costs is to shop around for quotes. It can help you find the best rates for your model year, from how much does a 2010 Cadillac CTS cost to 2014 Cadillac insurance rates.
Enter your ZIP code in our free rate comparison tool below to find the best Cadillac CTS insurance costs.
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What are the safety ratings of the Cadillac CTS?
Do the Cadillac CTS have a lot of problems? Is the Cadillac CTS a reliable car? These are the questions insurers will ask when they look at Cadillac CTS safety ratings and features. The Cadillac CTS does have some great standard safety features, such as teen driver settings (set speed and audio), rear parking sensors, and a rearview camera.
Take a look below at the Insurance Institute for Highway Safety’s (IIHS) crash test ratings of the Cadillac CTS.
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below demonstrates one of the IIHS’s crash tests.
Cadillac CTS Compared Against Other Vehicles in the Same Class
The Cadillac CTS is a large luxury car, which usually have higher liability rates. However, the IIHS found that the Cadillac CTS’s liability losses are better than average, so rates should be lower than other large luxury cars’ rates.
View the list of other large luxury cars below to see how their rates compare to the Cadillac CTS.
Ready to find the best insurance price for a Cadillac CTS? Enter your ZIP code in our free tool to see how much does a Cadillac CTS cost to insure in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,224 |
| 20 | $3,174 |
| 30 | $1,418 |
| 40 | $1,368 |
| 50 | $1,250 |
| 60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,700 |
| $250 | $1,546 |
| $500 | $1,368 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,368 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,442 |
| 20 | $5,060 |
| 30 | $3,028 |
| 40 | $2,974 |
| 50 | $2,842 |
| 60 | $2,818 |
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 | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $582 |
Discounts are estimated and may not be available from every company or in every state.
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