Cadillac CTS-V Insurance Rates

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2010 Cadillac CTS-V Insurance Rates in 2025

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UPDATED: Mar 28, 2024

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Average insurance prices for a Cadillac CTS-V are $1,126 every 12 months including full coverage. Comprehensive costs on average $234, collision insurance costs $354, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $2,424. Teens receive the highest rates at up to $4,270 a year.

Average premium for full coverage: $1,126

Rate estimates by individual coverage type:

Comprehensive $234
Collision $354
Liability $402

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different CTS-V trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $446 for basic liability insurance to a much higher rate of $2,424 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $1,126
High Risk $2,424

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

These examples highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on 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 breaks down average Cadillac CTS-V insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $662
  • Using higher $1,000 deductibles will save around $134 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,126
  • Selecting more expensive low deductibles for physical damage coverage increases the price to $1,382
  • Drivers with serious driving violations could pay upwards of $2,424
  • The cost to insure a teen driver with full coverage may cost $4,270 or more

View Chart as Image

Cadillac CTS-V insurance cost comparison chart
Column chart showing Cadillac CTS-V insurance rates range from $662 to $4,270 for full coverage

Insurance rates for a Cadillac CTS-V can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your CTS-V.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $390 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,900 additional per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Cadillac CTS-V insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,610 on average in Michigan, New York, and Louisiana.

Cadillac CTS-V Insurance Rates by State
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%

View Chart as Image

Cadillac CTS-V insurance rates by U.S. city
Cadillac CTS-V Insurance Rates by Model Year
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 Shop for the Right Cadillac CTS-V Insurance

Saving money on Cadillac CTS-V insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the data raised in the charts and tables above.

  • Drivers who require increased liability limits will pay approximately $440 per year to increase from a minimum limit to a 250/500 level
  • You may be able to save as much as $130 per year just by shopping early and online
  • Increasing deductibles could save as much as $400 each year
  • Drivers under the age of 20 pay higher rates, as much as $356 per month if full coverage is included

Rates by Driver Age

Cadillac CTS-V Insurance 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

Cadillac CTS-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,264
$500 $1,126
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS-V Insurance Rates with Different Liability Limits
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

Cadillac CTS-V Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $662

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

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