Cadillac CTS-V Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated 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 insurance is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,320. 16-year-old drivers pay the most at $4,122 a year or more.

Average premium for full coverage: $1,078

Premium estimates broken down by type of coverage:

Comprehensive $220
Collision $320
Liability $402

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all CTS-V models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Cadillac CTS-V go from the low end price of $446 for just liability coverage to the much higher price of $2,320 for a high-risk driver policy.

Liability Only $446
Full Coverage $1,078
High Risk $2,320

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $809
Small Cities $1,132
Large Cities $1,455

These rate differences highlight why everyone should compare rates quotes for a targeted area, rather than relying 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.

Detailed Rate Analysis

The chart below breaks down estimated Cadillac CTS-V insurance rates for other coverage scenarios.

  • The best full coverage rate is $637
  • Raising to $1,000 deductibles will save approximately $122 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,078
  • Buying pricier low deductibles bumps up the cost to $1,314
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,320 or more
  • An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,122

View Chart as Image

Cadillac CTS-V insurance cost comparison chart
Column chart showing full coverage Cadillac CTS-V insurance rates range from $637 to $4,122

Insurance prices for a Cadillac CTS-V also have a wide range based on the model of your CTS-V, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,300 to $1,800 extra annually, depending on your age. Cadillac CTS-V insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac CTS-V insurance rates. A middle-age driver might find prices as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,540 on average in Louisiana, New York, and Michigan.

Cadillac CTS-V Insurance Rates by State
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%

View Chart as Image

Cadillac CTS-V insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $360 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

Cadillac CTS-V Insurance Rates by Model Year
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 Best Cheap Cadillac CTS-V Insurance

Finding better rates on Cadillac CTS-V insurance consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Comparison shop every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick review of the information covered in the above illustrations.

  • You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
  • Teen drivers are charged the highest prices, with the cost nearing $344 per month if full coverage is included
  • Increasing policy deductibles can save approximately $350 each year
  • High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,240 more annually to insure their CTS-V
  • Drivers who want more liability coverage will pay around $440 per year to raise from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Cadillac CTS-V Insurance 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

Cadillac CTS-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,314
$250 $1,208
$500 $1,078
$1,000 $956

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS-V Insurance Rates with Different Liability Limits
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

Cadillac CTS-V Insurance 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.

SR-22 Surcharge $146

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
Rate after discounts $637

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

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