Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac CTS-V are $1,078 a year for full coverage. Comprehensive insurance costs on average $220 each year, collision insurance costs $320, and liability insurance is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs $2,320 or more. Teen drivers pay the most at up to $4,122 a year.
Average premium for full coverage: $1,078
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and CTS-V models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Cadillac CTS-V range from as low as $446 for just liability insurance to a high rate of $2,320 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences show why all drivers should get quotes based on a specific location and risk profile, rather than relying on price 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.
More Rate Details
The chart below shows average Cadillac CTS-V insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $637
- Choosing higher $1,000 deductibles can save around $122 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,078
- Choosing low deductibles for comp and collision coverage will cost an extra $236 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,320
- An auto insurance policy for full coverage for a teen driver may cost $4,122 each year
Car insurance prices for a Cadillac CTS-V also have a wide range based on your driving characteristics, the trim level of your CTS-V, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Cadillac CTS-V insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,540 on average in Michigan, Louisiana, and New York.
| 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 high deductibles can save as much as $360 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates
| 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 the Best Cheap Cadillac CTS-V Insurance
Finding better rates on Cadillac CTS-V insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The points below are a quick review of the concepts that were covered in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation will pay on average $1,240 more each year to insure a Cadillac CTS-V
- Drivers under the age of 20 are expensive to insure, as much as $344 per month if full coverage is included
- Drivers can save as much as $130 per year just by quoting online in advance
- Increasing policy deductibles can save around $350 each year
- Drivers can save as much as $130 per year just by quoting online in advance
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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