Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac CTS-V are $1,078 annually for full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $320, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $2,320 or more. 16-year-old 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 are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and CTS-V models.
Price Range Variability
For the normal driver, Cadillac CTS-V insurance rates go from as cheap as $446 for liability-only coverage to a high rate of $2,320 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.
The graphic below illustrates how geographic area affects insurance prices.
The examples above show why all drivers should compare prices for a targeted area and their own personal driving habits, 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.
Additional Charts and Tables
The chart below shows estimated Cadillac CTS-V insurance rates for other coverage scenarios.
- The best full coverage rate is $637
- Using higher $1,000 deductibles will save approximately $122 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,078
- Buying low deductibles for physical damage coverage costs an additional $236 annually
- High-risk insureds with multiple tickets or accidents could pay up to $2,320 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $4,122 or more
Insurance rates for a Cadillac CTS-V also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers can be from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $360 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac CTS-V insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,540 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied between companies.
| 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 Buy Affordable Cadillac CTS-V Insurance
Finding cheaper rates on insurance for a Cadillac CTS-V requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a brief review of the coverage data presented in the illustrations above.
- Drivers can save approximately $130 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Teen drivers are expensive to insure, costing up to $344 each month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,240 more annually to insure their CTS-V
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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