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 insurance rates for a Cadillac CTS are $1,368 a year for full coverage insurance. Comprehensive costs on average $260 a year, collision costs $494, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,974. Teen drivers cost the most to insure at $5,224 a year or more.

Average premium for full coverage: $1,368

Policy rates by type of insurance:

Comprehensive $260
Collision $494
Liability $456

Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and CTS trim levels.

Price Range Variability

For a 40-year-old driver, Cadillac CTS insurance rates go from the low end price of $508 for a discount liability-only rate to a high of $2,974 for high-risk insurance.

Liability Only $508
Full Coverage $1,368
High Risk $2,974

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

The examples above illustrate why it is important to compare prices 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.

Rates by State, City, and Model

The chart below illustrates estimated Cadillac CTS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $786
  • Using higher $1,000 deductibles will save around $1,196 each year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,368
  • Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,700
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,974 or more
  • Policy cost that insures a teen driver may cost $5,224 or more

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing full coverage Cadillac CTS insurance rates range from $786 to $5,224

Insurance rates for a Cadillac CTS also range considerably based on the trim level of your CTS, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Cadillac CTS insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.

Cadillac CTS Insurance Rates by State
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%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $510 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Cadillac CTS Insurance Rates by Model and Trim Level
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.

Cadillac CTS Insurance Rates by Model Year
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 Find the Cheapest Cadillac CTS Insurance

Finding cheaper rates on Cadillac CTS insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and bundling your home and auto policies. Shop around every couple of years by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a recap of the material that was illustrated above.

  • Drivers who require increased liability limits will pay about $500 annually to increase from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 pay the highest rates, possibly costing $435 each month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,610 more each year to insure a Cadillac CTS
  • Increasing comprehensive and collision deductibles can save approximately $500 each year

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

  1. https://www.iihs.org/ratings/vehicle/cadillac/cts-4-door-sedan/2019

Rates by Driver Age

Cadillac CTS Insurance 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

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,700
$250 $1,546
$500 $1,368
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
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

Cadillac CTS Insurance 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.

SR-22 Surcharge $194

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
Rate after discounts $786

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

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