Cadillac CTS Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Estimated auto insurance rates for a Cadillac CTS are $1,404 annually for full coverage. Comprehensive insurance costs around $270, collision insurance costs $524, and liability is $452. A policy with only liability insurance costs around $504 a year, and a high-risk policy costs $3,056 or more. Teenage drivers pay the most at up to $5,338 a year.
Average premium for full coverage: $1,404
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all CTS models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Cadillac CTS range from as cheap as $504 for just the minimum liability insurance to the much higher price of $3,056 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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 Rate Analysis
The chart below shows average Cadillac CTS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $802
- Raising to $1,000 deductibles will save about $180 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,404
- Using pricier low deductibles costs an additional $352 every year
- At-risk drivers who are prone to accidents and violations could pay at least $3,056
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,338
Car insurance prices for a Cadillac CTS also have a wide range based on the model of your CTS, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra annually, depending on your age. Cadillac CTS insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $540 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Cadillac CTS insurance prices. A middle-age driver might find prices as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,000 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,270 | -$134 | -9.5% |
Alaska | $1,078 | -$326 | -23.2% |
Arizona | $1,164 | -$240 | -17.1% |
Arkansas | $1,404 | -$0 | 0.0% |
California | $1,600 | $196 | 14.0% |
Colorado | $1,340 | -$64 | -4.6% |
Connecticut | $1,444 | $40 | 2.8% |
Delaware | $1,588 | $184 | 13.1% |
Florida | $1,756 | $352 | 25.1% |
Georgia | $1,296 | -$108 | -7.7% |
Hawaii | $1,008 | -$396 | -28.2% |
Idaho | $950 | -$454 | -32.3% |
Illinois | $1,046 | -$358 | -25.5% |
Indiana | $1,058 | -$346 | -24.6% |
Iowa | $946 | -$458 | -32.6% |
Kansas | $1,334 | -$70 | -5.0% |
Kentucky | $1,916 | $512 | 36.5% |
Louisiana | $2,078 | $674 | 48.0% |
Maine | $866 | -$538 | -38.3% |
Maryland | $1,158 | -$246 | -17.5% |
Massachusetts | $1,122 | -$282 | -20.1% |
Michigan | $2,440 | $1,036 | 73.8% |
Minnesota | $1,174 | -$230 | -16.4% |
Mississippi | $1,682 | $278 | 19.8% |
Missouri | $1,246 | -$158 | -11.3% |
Montana | $1,508 | $104 | 7.4% |
Nebraska | $1,108 | -$296 | -21.1% |
Nevada | $1,684 | $280 | 19.9% |
New Hampshire | $1,012 | -$392 | -27.9% |
New Jersey | $1,570 | $166 | 11.8% |
New Mexico | $1,244 | -$160 | -11.4% |
New York | $1,478 | $74 | 5.3% |
North Carolina | $810 | -$594 | -42.3% |
North Dakota | $1,150 | -$254 | -18.1% |
Ohio | $970 | -$434 | -30.9% |
Oklahoma | $1,442 | $38 | 2.7% |
Oregon | $1,286 | -$118 | -8.4% |
Pennsylvania | $1,340 | -$64 | -4.6% |
Rhode Island | $1,872 | $468 | 33.3% |
South Carolina | $1,272 | -$132 | -9.4% |
South Dakota | $1,184 | -$220 | -15.7% |
Tennessee | $1,228 | -$176 | -12.5% |
Texas | $1,694 | $290 | 20.7% |
Utah | $1,040 | -$364 | -25.9% |
Vermont | $960 | -$444 | -31.6% |
Virginia | $840 | -$564 | -40.2% |
Washington | $1,084 | -$320 | -22.8% |
West Virginia | $1,286 | -$118 | -8.4% |
Wisconsin | $972 | -$432 | -30.8% |
Wyoming | $1,250 | -$154 | -11.0% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Cadillac CTS AWD | $1,370 | $114 |
Cadillac CTS | $1,370 | $114 |
Cadillac CTS Luxury AWD | $1,404 | $117 |
Cadillac CTS Performance AWD | $1,404 | $117 |
Cadillac CTS Luxury | $1,404 | $117 |
Cadillac CTS Performance | $1,404 | $117 |
Cadillac CTS Sport | $1,404 | $117 |
Cadillac CTS Premium | $1,440 | $120 |
Cadillac CTS Premium AWD | $1,476 | $123 |
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 | $270 | $524 | $452 | $1,404 |
2015 Cadillac CTS | $232 | $408 | $460 | $1,258 |
2011 Cadillac CTS | $198 | $300 | $478 | $1,134 |
2009 Cadillac CTS | $174 | $250 | $474 | $1,056 |
2008 Cadillac CTS | $168 | $224 | $468 | $1,018 |
2007 Cadillac CTS | $166 | $218 | $460 | $1,002 |
2006 Cadillac CTS | $162 | $208 | $452 | $980 |
2005 Cadillac CTS | $148 | $198 | $446 | $950 |
2004 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 Buy the Best Cadillac CTS Insurance
Finding better rates on car insurance consists of being a good driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The following list is a brief recap of the data covered in the above illustrations.
- Policyholders who may need an increased level of liability coverage will pay an extra $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $525 each year
- Drivers age 16 to 20 are the costliest to insure, as much as $445 per month if comprehensive and collision insurance is included
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.
References
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,338 |
20 | $3,262 |
30 | $1,460 |
40 | $1,404 |
50 | $1,284 |
60 | $1,260 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,756 |
$250 | $1,592 |
$500 | $1,404 |
$1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,404 |
50/100 | $1,566 |
100/300 | $1,679 |
250/500 | $1,973 |
100 CSL | $1,612 |
300 CSL | $1,860 |
500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,614 |
20 | $5,202 |
30 | $3,116 |
40 | $3,056 |
50 | $2,920 |
60 | $2,894 |
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 | $75 |
Multi-vehicle | $76 |
Homeowner | $22 |
5-yr Accident Free | $103 |
5-yr Claim Free | $92 |
Paid in Full/EFT | $64 |
Advance Quote | $70 |
Online Quote | $100 |
Total Discounts | $602 |
Discounts are estimated and may not be available from every company or in every state.
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