Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CTS-V are $1,126 every 12 months including full coverage. Comprehensive insurance costs around $234 a year, collision insurance costs $354, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, and high-risk driver insurance costs $2,424 or more. 16-year-old drivers pay the highest rates at up to $4,270 a year.
Average premium for full coverage: $1,126
Price estimates for individual coverage:
Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and CTS-V trim levels.
Price Range from Low to High
For an average driver, Cadillac CTS-V insurance prices range from the cheapest price of $446 for basic liability insurance to a high of $2,424 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down average Cadillac CTS-V insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $662
- Choosing higher $1,000 deductibles can save about $992 every year
- The average price for the average middle-age driver using $500 deductibles is $1,126
- Buying low $100 deductibles for comp and collision coverage costs an extra $256 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,424
- The price to insure a 16-year-old driver can be $4,270 each year
Car insurance prices for a Cadillac CTS-V are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $390 annually, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $4,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 129% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac CTS-V insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,610 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,016 | -$110 | -9.8% |
| Alaska | $862 | -$264 | -23.4% |
| Arizona | $932 | -$194 | -17.2% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,282 | $156 | 13.9% |
| Colorado | $1,074 | -$52 | -4.6% |
| Connecticut | $1,154 | $28 | 2.5% |
| Delaware | $1,272 | $146 | 13.0% |
| Florida | $1,406 | $280 | 24.9% |
| Georgia | $1,040 | -$86 | -7.6% |
| Hawaii | $808 | -$318 | -28.2% |
| Idaho | $762 | -$364 | -32.3% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $848 | -$278 | -24.7% |
| Iowa | $758 | -$368 | -32.7% |
| Kansas | $1,068 | -$58 | -5.2% |
| Kentucky | $1,534 | $408 | 36.2% |
| Louisiana | $1,666 | $540 | 48.0% |
| Maine | $694 | -$432 | -38.4% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $898 | -$228 | -20.2% |
| Michigan | $1,954 | $828 | 73.5% |
| Minnesota | $942 | -$184 | -16.3% |
| Mississippi | $1,346 | $220 | 19.5% |
| Missouri | $998 | -$128 | -11.4% |
| Montana | $1,208 | $82 | 7.3% |
| Nebraska | $884 | -$242 | -21.5% |
| Nevada | $1,350 | $224 | 19.9% |
| New Hampshire | $810 | -$316 | -28.1% |
| New Jersey | $1,258 | $132 | 11.7% |
| New Mexico | $994 | -$132 | -11.7% |
| New York | $1,184 | $58 | 5.2% |
| North Carolina | $648 | -$478 | -42.5% |
| North Dakota | $922 | -$204 | -18.1% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,152 | $26 | 2.3% |
| Oregon | $1,030 | -$96 | -8.5% |
| Pennsylvania | $1,072 | -$54 | -4.8% |
| Rhode Island | $1,498 | $372 | 33.0% |
| South Carolina | $1,020 | -$106 | -9.4% |
| South Dakota | $950 | -$176 | -15.6% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $834 | -$292 | -25.9% |
| Vermont | $768 | -$358 | -31.8% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $868 | -$258 | -22.9% |
| West Virginia | $1,032 | -$94 | -8.3% |
| Wisconsin | $776 | -$350 | -31.1% |
| Wyoming | $1,000 | -$126 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $344 | $674 | $384 | $1,538 |
| 2017 Cadillac CTS-V | $318 | $568 | $390 | $1,412 |
| 2016 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2014 Cadillac CTS-V | $280 | $458 | $402 | $1,276 |
| 2013 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2012 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2011 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2010 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
Rates are averaged for all Cadillac CTS-V 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-V Insurance
Getting lower rates on insurance for a Cadillac CTS-V takes having a good driving record, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a review of the ideas that were covered in the above illustrations.
- Drivers age 20 and younger are the costliest to insure, possibly costing $356 a month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,300 more every year to buy Cadillac CTS-V insurance
- Increasing physical damage deductibles could save as much as $400 each year
- You may be able to save up to $130 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,270 |
| 20 | $2,566 |
| 30 | $1,164 |
| 40 | $1,126 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,264 |
| $500 | $1,126 |
| $1,000 | $992 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,206 |
| 100/300 | $1,307 |
| 250/500 | $1,568 |
| 100 CSL | $1,247 |
| 300 CSL | $1,468 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,074 |
| 20 | $4,088 |
| 30 | $2,466 |
| 40 | $2,424 |
| 50 | $2,310 |
| 60 | $2,290 |
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 | $59 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $47 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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