Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac CTS-V are $1,126 a year including full coverage. Comprehensive costs on average $234, collision insurance costs $354, and liability is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers costs around $2,424. Teen drivers receive the highest rates at up to $4,270 a year.
Average premium for full coverage: $1,126
Rate estimates by individual coverage type:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all CTS-V models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $446 for just liability coverage to the much higher price of $2,424 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.
These examples highlight why everyone should compare rates quotes based on a specific location, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below breaks down average Cadillac CTS-V insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $662
- Raising to $1,000 deductibles will save around $134 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,126
- Choosing pricier low deductibles bumps up the cost to $1,382
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,424
- The cost that insures a 16-year-old driver for full coverage may cost $4,270
Insurance rates for a Cadillac CTS-V can also vary considerably based on the model of your CTS-V, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,300 to $1,900 additional per year, depending on your age. Cadillac CTS-V insurance for high-risk drivers is expensive and can cost from 44% to 129% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,200 a year. View Rates by Age
Where you live also has a big influence on Cadillac CTS-V insurance prices. A middle-age driver might find rates as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or as much as $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% |
Choosing high deductibles can reduce rates by up to $390 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
| 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 Find Low Cost Cadillac CTS-V Insurance
Saving money on insurance for a Cadillac CTS-V consists of being a low-risk driver, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Shop around 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 items below are a review of the ideas that were covered in the charts and tables above.
- Teen drivers pay higher rates, as much as $356 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,300 more each year to insure their CTS-V
- Increasing deductibles can save approximately $400 each year
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
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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