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 $1,180 a year for full coverage. Comprehensive costs approximately $252, collision insurance costs $386, and liability coverage costs $406. Liability-only coverage costs as little as $450 a year, and high-risk coverage costs around $2,540. Teens pay the most at up to $4,442 a year.
Average premium for full coverage: $1,180
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different CTS-V trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac CTS-V range from the low end price of $450 for basic liability insurance to a much higher rate of $2,540 for high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates using their specific location, rather than using averaged prices.
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 shows average Cadillac CTS-V insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $687
- Drivers who choose higher $1,000 deductibles will pay $146 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,180
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,456
- High-risk insureds with serious driving violations could pay around $2,540
- An auto insurance policy that insures a teenage driver with full coverage can cost $4,442 a year
Insurance prices for a Cadillac CTS-V also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac CTS-V insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,680 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,064 | -$116 | -9.8% |
| Alaska | $904 | -$276 | -23.4% |
| Arizona | $976 | -$204 | -17.3% |
| Arkansas | $1,180 | -$0 | 0.0% |
| California | $1,342 | $162 | 13.7% |
| Colorado | $1,124 | -$56 | -4.7% |
| Connecticut | $1,208 | $28 | 2.4% |
| Delaware | $1,332 | $152 | 12.9% |
| Florida | $1,472 | $292 | 24.7% |
| Georgia | $1,088 | -$92 | -7.8% |
| Hawaii | $846 | -$334 | -28.3% |
| Idaho | $798 | -$382 | -32.4% |
| Illinois | $878 | -$302 | -25.6% |
| Indiana | $888 | -$292 | -24.7% |
| Iowa | $794 | -$386 | -32.7% |
| Kansas | $1,120 | -$60 | -5.1% |
| Kentucky | $1,608 | $428 | 36.3% |
| Louisiana | $1,744 | $564 | 47.8% |
| Maine | $728 | -$452 | -38.3% |
| Maryland | $972 | -$208 | -17.6% |
| Massachusetts | $940 | -$240 | -20.3% |
| Michigan | $2,046 | $866 | 73.4% |
| Minnesota | $986 | -$194 | -16.4% |
| Mississippi | $1,412 | $232 | 19.7% |
| Missouri | $1,046 | -$134 | -11.4% |
| Montana | $1,264 | $84 | 7.1% |
| Nebraska | $928 | -$252 | -21.4% |
| Nevada | $1,412 | $232 | 19.7% |
| New Hampshire | $850 | -$330 | -28.0% |
| New Jersey | $1,318 | $138 | 11.7% |
| New Mexico | $1,042 | -$138 | -11.7% |
| New York | $1,240 | $60 | 5.1% |
| North Carolina | $678 | -$502 | -42.5% |
| North Dakota | $966 | -$214 | -18.1% |
| Ohio | $812 | -$368 | -31.2% |
| Oklahoma | $1,208 | $28 | 2.4% |
| Oregon | $1,080 | -$100 | -8.5% |
| Pennsylvania | $1,122 | -$58 | -4.9% |
| Rhode Island | $1,572 | $392 | 33.2% |
| South Carolina | $1,070 | -$110 | -9.3% |
| South Dakota | $994 | -$186 | -15.8% |
| Tennessee | $1,032 | -$148 | -12.5% |
| Texas | $1,420 | $240 | 20.3% |
| Utah | $872 | -$308 | -26.1% |
| Vermont | $806 | -$374 | -31.7% |
| Virginia | $706 | -$474 | -40.2% |
| Washington | $910 | -$270 | -22.9% |
| West Virginia | $1,080 | -$100 | -8.5% |
| Wisconsin | $812 | -$368 | -31.2% |
| Wyoming | $1,050 | -$130 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $430 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $358 | $726 | $376 | $1,596 |
| 2017 Cadillac CTS-V | $332 | $634 | $388 | $1,490 |
| 2016 Cadillac CTS-V | $318 | $568 | $390 | $1,412 |
| 2014 Cadillac CTS-V | $286 | $490 | $394 | $1,306 |
| 2013 Cadillac CTS-V | $280 | $458 | $402 | $1,276 |
| 2012 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2011 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2010 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
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 More Affordable Cadillac CTS-V Insurance
Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.
The following is a summary of the material that was covered above.
- Consumers who purchase higher liability limits will pay approximately $450 each year to go from 30/60 bodily injury limits to the 250/500 level
- Teens are expensive to insure, as much as $370 per month if full coverage is included
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,360 more per year for CTS-V insurance
- Increasing policy deductibles can save approximately $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,442 |
| 20 | $2,690 |
| 30 | $1,222 |
| 40 | $1,180 |
| 50 | $1,078 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,330 |
| $500 | $1,180 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,180 |
| 50/100 | $1,261 |
| 100/300 | $1,363 |
| 250/500 | $1,627 |
| 100 CSL | $1,302 |
| 300 CSL | $1,525 |
| 500 CSL | $1,688 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,326 |
| 20 | $4,284 |
| 30 | $2,586 |
| 40 | $2,540 |
| 50 | $2,422 |
| 60 | $2,398 |
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 | $63 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $51 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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