Cadillac CTS Insurance Rates
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Michelle Robbins
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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.
Average insurance rates for a Cadillac CTS are $1,368 a year including full coverage. Comprehensive insurance costs on average $260 a year, collision costs $494, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,974 or more. Teens receive the highest rates at $5,224 a year or more.
Average premium for full coverage: $1,368
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and CTS trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $508 for basic liability insurance to a high of $2,974 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts car insurance rates.
These examples highlight why it is important to get quotes based on a specific location, rather than 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.
Rate Comparisons
The chart below breaks down estimated Cadillac CTS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $786
- Choosing higher $1,000 deductibles can save around $1,196 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,368
- Selecting low $100 deductibles for comp and collision coverage will cost an additional $332 each year
- Drivers with serious driving violations could pay upwards of $2,974 or more
- The cost that insures a teenage driver may cost $5,224 each year
Car insurance rates for a Cadillac CTS can also vary considerably based on the trim level of your CTS, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac CTS insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,950 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $510 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates rates differently, so rate quotes can be significantly different.
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 Find Low Cost Cadillac CTS Insurance
Saving money on auto insurance takes being safe and accident-free, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a review of the primary concepts that were touched on above.
- You may be able to save as much as $170 per year simply by quoting early and online
- Drivers who have several accidents or serious violations could be forced to pay on average $1,610 more each year than a low-risk driver
- Increasing deductibles can save approximately $500 each year
- Youthful drivers are expensive to insure, as much as $435 per month if full coverage is purchased
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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