Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac CTS-V are $1,078 a year including full coverage. Comprehensive costs an estimated $220, collision costs $320, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,320. Teen drivers cost the most to insure at $4,122 a year or more.
Average premium for full coverage: $1,078
Policy rates broken down by type of insurance:
Prices include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all CTS-V models.
Price Range Variability
For a driver around age 40, Cadillac CTS-V insurance rates go from as low as $446 for liability-only coverage to the much higher price of $2,320 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on insurance prices.
The examples above highlight why everyone should get quotes for a targeted area and risk profile, rather than using price 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.
Additional Charts and Tables
The chart below breaks down estimated Cadillac CTS-V insurance rates for other coverage scenarios.
- The lowest rate with discounts is $637
- Choosing higher $1,000 deductibles can save approximately $122 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,078
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,314
- Drivers with multiple violations and an at-fault accident could pay up to $2,320 or more
- Policy cost for full coverage for a teenage driver for full coverage can cost as much as $4,122 each year
Insurance rates for a Cadillac CTS-V also range considerably based on your risk profile, the model of your CTS-V, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac CTS-V insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,540 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $976 | -$102 | -9.5% |
| Alaska | $828 | -$250 | -23.2% |
| Arizona | $896 | -$182 | -16.9% |
| Arkansas | $1,078 | -$0 | 0.0% |
| California | $1,230 | $152 | 14.1% |
| Colorado | $1,028 | -$50 | -4.6% |
| Connecticut | $1,108 | $30 | 2.8% |
| Delaware | $1,218 | $140 | 13.0% |
| Florida | $1,346 | $268 | 24.9% |
| Georgia | $998 | -$80 | -7.4% |
| Hawaii | $774 | -$304 | -28.2% |
| Idaho | $730 | -$348 | -32.3% |
| Illinois | $802 | -$276 | -25.6% |
| Indiana | $814 | -$264 | -24.5% |
| Iowa | $728 | -$350 | -32.5% |
| Kansas | $1,024 | -$54 | -5.0% |
| Kentucky | $1,470 | $392 | 36.4% |
| Louisiana | $1,596 | $518 | 48.1% |
| Maine | $666 | -$412 | -38.2% |
| Maryland | $890 | -$188 | -17.4% |
| Massachusetts | $860 | -$218 | -20.2% |
| Michigan | $1,872 | $794 | 73.7% |
| Minnesota | $902 | -$176 | -16.3% |
| Mississippi | $1,292 | $214 | 19.9% |
| Missouri | $956 | -$122 | -11.3% |
| Montana | $1,158 | $80 | 7.4% |
| Nebraska | $848 | -$230 | -21.3% |
| Nevada | $1,292 | $214 | 19.9% |
| New Hampshire | $778 | -$300 | -27.8% |
| New Jersey | $1,206 | $128 | 11.9% |
| New Mexico | $954 | -$124 | -11.5% |
| New York | $1,136 | $58 | 5.4% |
| North Carolina | $622 | -$456 | -42.3% |
| North Dakota | $884 | -$194 | -18.0% |
| Ohio | $744 | -$334 | -31.0% |
| Oklahoma | $1,104 | $26 | 2.4% |
| Oregon | $988 | -$90 | -8.3% |
| Pennsylvania | $1,028 | -$50 | -4.6% |
| Rhode Island | $1,438 | $360 | 33.4% |
| South Carolina | $978 | -$100 | -9.3% |
| South Dakota | $910 | -$168 | -15.6% |
| Tennessee | $944 | -$134 | -12.4% |
| Texas | $1,300 | $222 | 20.6% |
| Utah | $800 | -$278 | -25.8% |
| Vermont | $734 | -$344 | -31.9% |
| Virginia | $646 | -$432 | -40.1% |
| Washington | $832 | -$246 | -22.8% |
| West Virginia | $988 | -$90 | -8.3% |
| Wisconsin | $744 | -$334 | -31.0% |
| Wyoming | $960 | -$118 | -10.9% |
Choosing high deductibles can save as much as $360 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,300 to $1,800 additional every year, depending on your age. Cadillac CTS-V insurance for high-risk drivers ranges around 44% to 134% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $332 | $634 | $388 | $1,490 |
| 2017 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2016 Cadillac CTS-V | $286 | $490 | $394 | $1,306 |
| 2014 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2013 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2012 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2011 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
| 2010 Cadillac CTS-V | $214 | $288 | $398 | $1,036 |
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 Find the Right Cadillac CTS-V Insurance
Finding cheaper rates on auto insurance takes being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the material that was covered above.
- Consumers who want more liability protection will pay about $440 per year to raise limits from a 30/60 limit to 250/500 limits
- Youthful drivers are expensive to insure, with premiums being up to $344 each month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions may pay on average $1,240 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,122 |
| 20 | $2,458 |
| 30 | $1,112 |
| 40 | $1,078 |
| 50 | $988 |
| 60 | $968 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,314 |
| $250 | $1,208 |
| $500 | $1,078 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,078 |
| 50/100 | $1,158 |
| 100/300 | $1,259 |
| 250/500 | $1,520 |
| 100 CSL | $1,199 |
| 300 CSL | $1,420 |
| 500 CSL | $1,581 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,852 |
| 20 | $3,914 |
| 30 | $2,358 |
| 40 | $2,320 |
| 50 | $2,212 |
| 60 | $2,192 |
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 | $57 |
| Multi-vehicle | $57 |
| Homeowner | $17 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $44 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
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