Cadillac CTS Insurance Rates
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UPDATED: May 11, 2022
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How much is insurance on a Cadillac CTS compared to other vehicles? Cadillac CTS insurance rates average $1,510 a year, or $125 a month. While the Cadillac average price of insurance may vary slightly by model year, such as 2005 versus 2006 CTS insurance costs, the rates should be around $1,510.
To start saving on the insurance cost of a Cadillac CTS in your area, enter your ZIP code in our free rate comparison tool above.
U.S. average insurance rates for a Cadillac CTS are $1,446 a year for full coverage insurance. Comprehensive insurance costs around $282 a year, collision insurance costs $564, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $3,154 or more. 16-year-old drivers pay the highest rates at up to $5,474 a year.
Average premium for full coverage: $1,446
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and CTS trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac CTS insurance prices range from as low as $496 for liability-only coverage to a high of $3,154 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than relying 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 illustrates average Cadillac CTS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $823
- Using higher $1,000 deductibles will save about $1,254 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,446
- Buying low $100 deductibles for physical damage coverage will cost an extra $376 a year
- Drivers with multiple tickets or accidents could pay at least $3,154
- The price for full coverage for a teen driver can be $5,474 or more
Insurance prices for a Cadillac CTS are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age
The state you live in has a huge impact on Cadillac CTS insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,950 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could cut prices by as much as $570 each year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Cadillac CTS AWD||$1,408||$117|
|Cadillac CTS Luxury AWD||$1,446||$121|
|Cadillac CTS Performance AWD||$1,446||$121|
|Cadillac CTS Luxury||$1,446||$121|
|Cadillac CTS Performance||$1,446||$121|
|Cadillac CTS Sport||$1,446||$121|
|Cadillac CTS Premium||$1,484||$124|
|Cadillac CTS Premium AWD||$1,522||$127|
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Cadillac CTS||$282||$564||$442||$1,446|
|2015 Cadillac CTS||$248||$442||$460||$1,308|
|2011 Cadillac CTS||$202||$330||$474||$1,164|
|2009 Cadillac CTS||$184||$274||$474||$1,090|
|2008 Cadillac CTS||$174||$250||$474||$1,056|
|2007 Cadillac CTS||$168||$224||$468||$1,018|
|2006 Cadillac CTS||$166||$218||$460||$1,002|
|2005 Cadillac CTS||$162||$208||$452||$980|
|2004 Cadillac CTS||$148||$198||$446||$950|
|2003 Cadillac CTS||$144||$188||$442||$932|
Rates are averaged for all Cadillac CTS 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 Insurance
Getting lower rates on Cadillac CTS insurance requires being a low-risk driver, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief review of the primary concepts that were touched on in the above illustrations.
- It is possible to save up to $180 per year just by quoting early and online
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,710 more every year to insure their CTS
- Increasing physical damage deductibles can save around $575 each year
- Teen drivers pay higher prices, as much as $456 a month for full coverage
The best way to save on Cadillac CTS costs is to shop around for quotes. It can help you find the best rates for your model year, from how much does a 2010 Cadillac CTS cost to 2014 Cadillac insurance rates.
Enter your ZIP code in our free rate comparison tool below to find the best Cadillac CTS insurance costs.
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What are the safety ratings of the Cadillac CTS?
Do the Cadillac CTS have a lot of problems? Is the Cadillac CTS a reliable car? These are the questions insurers will ask when they look at Cadillac CTS safety ratings and features. The Cadillac CTS does have some great standard safety features, such as teen driver settings (set speed and audio), rear parking sensors, and a rearview camera.
Take a look below at the Insurance Institute for Highway Safety’s (IIHS) crash test ratings of the Cadillac CTS.
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below demonstrates one of the IIHS’s crash tests.
Cadillac CTS Compared Against Other Vehicles in the Same Class
The Cadillac CTS is a large luxury car, which usually have higher liability rates. However, the IIHS found that the Cadillac CTS’s liability losses are better than average, so rates should be lower than other large luxury cars’ rates.
View the list of other large luxury cars below to see how their rates compare to the Cadillac CTS.
Ready to find the best insurance price for a Cadillac CTS? Enter your ZIP code in our free tool to see how much does a Cadillac CTS cost to insure in your area.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$108|
|5-yr Claim Free||$95|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.