Cadillac CTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 approximately $260, collision costs $494, and liability coverage is estimated at $456. A policy with just liability insurance costs approximately $508 a year, with coverage for high-risk drivers costing $2,974 or more. Teenage drivers receive the highest rates at $5,224 a year or more.

Average premium for full coverage: $1,368

Rate estimates by individual coverage type:

Comprehensive $260
Collision $494
Liability $456

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all CTS models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the low end price of $508 for your basic liability-only policy to the much higher price of $2,974 for coverage for higher-risk drivers.

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

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

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

These examples highlight why everyone should get quotes using their specific location, rather than using 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.

More Rate Information

The chart below breaks down estimated Cadillac CTS insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $786
  • Choosing higher $1,000 deductibles can save $172 every year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,368
  • Using pricier low deductibles for comp and collision coverage will cost an additional $332 each year
  • Drivers who are prone to accidents and violations could pay around $2,974 or more
  • The cost that insures a teenage driver for full coverage can cost $5,224 each year

View Chart as Image

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

Insurance rates for a Cadillac CTS can also vary considerably based on the model of your CTS, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional per year, depending on your age. Cadillac CTS insurance for high-risk drivers ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents 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 should be prepared to pay in the ballpark 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles can save as much as $510 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

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 More Affordable Cadillac CTS Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The list below is a summary of the primary concepts that were presented in the illustrations above.

  • You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
  • Drivers who have multiple accidents or major violations will likely pay on average $1,610 more per year for car insurance
  • Increasing deductibles can save approximately $500 each year
  • Teenagers are the costliest to insure, as much as $435 per month if comprehensive and collision insurance is included

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.

2016 Cadillac CTS driver-side small overlap IIHS crash test

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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