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 $1,078 a year for full coverage insurance. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $320, and liability insurance costs around $402. Buying just liability costs as low as $446 a year, and insurance for high-risk drivers costs $2,320 or more. Teenage drivers receive the highest rates at up to $4,122 a year.

Average premium for full coverage: $1,078

Rate estimates broken down by individual coverage type:

Comprehensive $220
Collision $320
Liability $402

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and CTS-V trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $446 for liability-only coverage to a high of $2,320 for high-risk insurance.

Liability Only $446
Full Coverage $1,078
High Risk $2,320

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $809
Small Cities $1,132
Large Cities $1,455

These examples illustrate why it is important to compare prices for a targeted area, rather than relying on average rates.

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 illustrates average Cadillac CTS-V insurance rates for other coverage scenarios.

  • The best discount rate is $637
  • Using higher $1,000 deductibles will save approximately $956 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,078
  • Using low $100 deductibles for physical damage coverage will cost an additional $236 a year
  • Drivers who are prone to accidents and violations could pay up to $2,320
  • The cost that insures a teen driver can cost as much as $4,122 or more

View Chart as Image

Cadillac CTS-V insurance cost comparison chart
Column chart showing Cadillac CTS-V insurance prices range from $637 to $4,122 for full coverage

Auto insurance rates for a Cadillac CTS-V can also vary considerably based on the trim level of your CTS-V, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age

Where you live has a huge impact on Cadillac CTS-V insurance rates. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,460 on average in Florida, New York, and Michigan.

Cadillac CTS-V Insurance Rates by State
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%

View Chart as Image

Cadillac CTS-V insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $360 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

Cadillac CTS-V Insurance Rates by Model Year
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

Saving money on Cadillac CTS-V insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief review of the material that was raised in the charts and tables above.

  • Drivers who want additional liability coverage will pay an extra $440 annually to increase from a minimum limit to the 250/500 level
  • 16 to 18-year-old drivers are the costliest to insure, costing up to $344 per month if the policy includes full coverage
  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,240 more annually than a driver with a clean driving record
  • Increasing deductibles can save approximately $350 each year

Rates by Driver Age

Cadillac CTS-V Insurance 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

Cadillac CTS-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,314
$250 $1,208
$500 $1,078
$1,000 $956

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS-V Insurance Rates with Different Liability Limits
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

Cadillac CTS-V Insurance 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.

SR-22 Surcharge $146

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
Rate after discounts $637

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

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