Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac CTS-V are $1,078 a year including full coverage. Comprehensive costs around $220, collision costs $320, and liability insurance is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing around $2,320. Teens pay the highest rates at $4,122 a year or more.
Average premium for full coverage: $1,078
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different CTS-V trim levels.
Price Range from Low to High
For the average 40-year-old driver, Cadillac CTS-V insurance prices go from as low as $446 for a discount liability-only rate to a much higher rate of $2,320 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below breaks down estimated Cadillac CTS-V insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $637
- Choosing higher $1,000 deductibles can save about $122 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,078
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,314
- High-risk insureds with serious driving violations could pay at least $2,320 or more
- The price for full coverage for a teen driver with full coverage can be $4,122 each year
Car insurance prices for a Cadillac CTS-V are also quite variable based on your driving record, the model of your CTS-V, and deductibles and policy limits.
An older driver with no driving violations and high deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Cadillac CTS-V insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,540 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $360 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,300 to $1,800 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes may be quite different from one company to the next.
| 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 Affordable Cadillac CTS-V Insurance
Getting lower rates on Cadillac CTS-V insurance takes being a low-risk driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a brief review of the concepts that were touched on in this article.
- High-risk drivers with DUI or reckless driving convictions pay on average $1,240 more every year to insure their CTS-V
- Teen drivers are the costliest to insure, possibly costing $344 a month if full coverage is included
- You may be able to save up to $130 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $350 each year
- You may be able to save up to $130 per year simply by shopping early and online
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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