Cadillac CTS-V Insurance Rates

Average insurance rates for a Cadillac CTS-V are $1,078 a year for full coverage. Comprehensive insurance costs on average $220 each year, collision insurance costs $320, and liability insurance is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $2,320 or more. Teenage drivers receive the highest rates at up to $4,122 a year.

Average premium for full coverage: $1,078

Rate estimates by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and CTS-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Cadillac CTS-V insurance rates for different risk profiles and scenarios.

• The best discount rate is $637
• Raising to $1,000 deductibles will save around $122 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,078
• Using low deductibles will cost an extra $236 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,320
• The cost for full coverage for a teen driver may cost $4,122

View Chart as Image

Auto insurance rates for a Cadillac CTS-V can also vary considerably based on your driver profile, the trim level of your CTS-V, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,100 a year. View Rates by Age

Where you live also has a big influence on Cadillac CTS-V insurance rates. A middle-age driver might find rates as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,540 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $360 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Cadillac CTS-V Insurance

Saving money on Cadillac CTS-V insurance consists of having a decent driving record, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a condensed summary of the car insurance concepts covered above.

• High-risk drivers with multiple at-fault accidents will pay on average $1,240 more each year than a driver with a clean driving record
• Drivers can save as much as $130 per year just by quoting online in advance
• Increasing deductibles can save around $350 each year
• Drivers who require additional liability coverage will pay an extra $440 each year to raise from a minimum limit to 250/500 limits