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 an estimated $248 each year, collision insurance costs $442, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,840 or more. 16-year-old drivers cost the most to insure at up to $5,030 a year.
Average premium for full coverage: $1,308
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and CTS models.
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 high rate of $2,840 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.
The examples above show why all drivers should compare rates for a targeted area and their own driving history, instead of using rate 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.
More Rate Information
The chart below shows average Cadillac CTS insurance rates for other coverage scenarios.
- The best full coverage rate is $758
- Drivers who choose higher $1,000 deductibles will pay approximately $154 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,308
- Buying low deductibles for comprehensive and collision insurance costs an extra $306 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,840
- Policy cost to insure a teen driver can cost as much as $5,030 a year
Insurance rates for a Cadillac CTS also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could save up to $460 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $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 $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 136% more than the average rate. 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 Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Cadillac CTS Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.
The list below is a brief recap of the data presented in the illustrations above.
- Policyholders who want higher liability limits will pay around $510 each year to go from a 30/60 limit to a 250/500 level
- Drivers can save approximately $160 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Teenagers are charged the highest rates, costing up to $419 each month if they have 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,472 |
| $500 | $1,308 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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