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 prices for a Cadillac CTS are $1,308 every 12 months for full coverage. Comprehensive insurance costs around $248, collision insurance costs $442, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,840 or more. Teens cost the most to insure at up to $5,030 a year.

Average premium for full coverage: $1,308

Policy rates for type of insurance:

Comprehensive $248
Collision $442
Liability $460

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different CTS trim levels.

Price Range Variability

For the normal driver, Cadillac CTS insurance rates range from the cheapest price of $510 for your basic liability-only policy to a much higher rate of $2,840 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,308
High Risk $2,840

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $981
Small Cities $1,373
Large Cities $1,766

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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.

More Rate Information

The chart below shows average Cadillac CTS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $758
  • Drivers who choose higher $1,000 deductibles will pay about $154 a year
  • The average price for a good driver age 40 using $500 deductibles is $1,308
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $306 annually
  • Drivers with serious driving violations could pay at least $2,840
  • Policy cost to insure a 16-year-old driver with full coverage can be $5,030 a year

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing Cadillac CTS insurance prices range from $758 to $5,030 for full coverage

Car insurance rates for a Cadillac CTS also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $460 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac CTS insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.

Cadillac CTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$124 -9.5%
Alaska $1,004 -$304 -23.2%
Arizona $1,088 -$220 -16.8%
Arkansas $1,308 -$0 0.0%
California $1,492 $184 14.1%
Colorado $1,252 -$56 -4.3%
Connecticut $1,346 $38 2.9%
Delaware $1,482 $174 13.3%
Florida $1,640 $332 25.4%
Georgia $1,208 -$100 -7.6%
Hawaii $940 -$368 -28.1%
Idaho $886 -$422 -32.3%
Illinois $976 -$332 -25.4%
Indiana $986 -$322 -24.6%
Iowa $882 -$426 -32.6%
Kansas $1,244 -$64 -4.9%
Kentucky $1,788 $480 36.7%
Louisiana $1,938 $630 48.2%
Maine $810 -$498 -38.1%
Maryland $1,082 -$226 -17.3%
Massachusetts $1,048 -$260 -19.9%
Michigan $2,274 $966 73.9%
Minnesota $1,096 -$212 -16.2%
Mississippi $1,568 $260 19.9%
Missouri $1,160 -$148 -11.3%
Montana $1,408 $100 7.6%
Nebraska $1,032 -$276 -21.1%
Nevada $1,570 $262 20.0%
New Hampshire $944 -$364 -27.8%
New Jersey $1,464 $156 11.9%
New Mexico $1,160 -$148 -11.3%
New York $1,380 $72 5.5%
North Carolina $754 -$554 -42.4%
North Dakota $1,072 -$236 -18.0%
Ohio $906 -$402 -30.7%
Oklahoma $1,346 $38 2.9%
Oregon $1,200 -$108 -8.3%
Pennsylvania $1,250 -$58 -4.4%
Rhode Island $1,748 $440 33.6%
South Carolina $1,186 -$122 -9.3%
South Dakota $1,106 -$202 -15.4%
Tennessee $1,148 -$160 -12.2%
Texas $1,580 $272 20.8%
Utah $970 -$338 -25.8%
Vermont $896 -$412 -31.5%
Virginia $786 -$522 -39.9%
Washington $1,014 -$294 -22.5%
West Virginia $1,200 -$108 -8.3%
Wisconsin $906 -$402 -30.7%
Wyoming $1,168 -$140 -10.7%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

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 $1,280 $107
Cadillac CTS $1,280 $107
Cadillac CTS Luxury AWD $1,308 $109
Cadillac CTS Performance AWD $1,308 $109
Cadillac CTS Luxury $1,308 $109
Cadillac CTS Performance $1,308 $109
Cadillac CTS Sport $1,308 $109
Cadillac CTS Premium $1,340 $112
Cadillac CTS Premium AWD $1,370 $114

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 $260 $494 $456 $1,368
2018 Cadillac CTS $248 $442 $460 $1,308
2017 Cadillac CTS $232 $408 $460 $1,258
2016 Cadillac CTS $224 $382 $464 $1,228
2015 Cadillac CTS $220 $356 $474 $1,208
2014 Cadillac CTS $202 $330 $474 $1,164
2013 Cadillac CTS $198 $300 $478 $1,134
2012 Cadillac CTS $184 $274 $474 $1,090
2011 Cadillac CTS $174 $250 $474 $1,056
2010 Cadillac CTS $168 $224 $468 $1,018
2009 Cadillac CTS $166 $218 $460 $1,002
2008 Cadillac CTS $162 $208 $452 $980
2007 Cadillac CTS $148 $198 $446 $950
2006 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 Shop for Low Cost Cadillac CTS Insurance

Finding cheaper rates on insurance for a Cadillac CTS not only requires avoiding accidents and claims, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at every policy renewal by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a review of the data presented in the illustrations above.

  • Insureds who may need increased liability limits will pay approximately $510 each year to go from a 30/60 limit to a 250/500 level
  • Drivers can save up to $160 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • Drivers under the age of 20 are the costliest to insure, costing up to $419 each month if the policy includes full coverage

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 $5,030
20 $3,028
30 $1,356
40 $1,308
50 $1,198
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,614
$250 $1,472
$500 $1,308
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,308
50/100 $1,462
100/300 $1,577
250/500 $1,876
100 CSL $1,508
300 CSL $1,761
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,154
20 $4,826
30 $2,892
40 $2,840
50 $2,716
60 $2,692

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 $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $63
Online Quote $92
Total Discounts $550
Rate after discounts $758

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

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