Cadillac CTS Insurance Rates
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Written by
Jeffrey Johnson |
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.
Average insurance rates for a Cadillac CTS are $1,446 a year for full coverage. Comprehensive costs on average $282 a year, collision costs $564, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,154. Teen drivers receive the highest rates at $5,474 a year or more.
Average premium for full coverage: $1,446
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and CTS trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,154 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates 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.
Insurance Rate Analysis
The chart below shows estimated Cadillac CTS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $823
- Drivers who choose higher $1,000 deductibles will pay around $1,254 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,446
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,822
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,154 or more
- The cost for full coverage for a teen driver may cost $5,474 a year
for a Cadillac CTS can also vary considerably based on your driver profile, the trim level of your CTS, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,400 a year. View Rates by Age
Where you live makes a big difference in Cadillac CTS insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,060 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,308 | -$138 | -9.5% |
| Alaska | $1,110 | -$336 | -23.2% |
| Arizona | $1,202 | -$244 | -16.9% |
| Arkansas | $1,446 | -$0 | 0.0% |
| California | $1,648 | $202 | 14.0% |
| Colorado | $1,382 | -$64 | -4.4% |
| Connecticut | $1,488 | $42 | 2.9% |
| Delaware | $1,636 | $190 | 13.1% |
| Florida | $1,810 | $364 | 25.2% |
| Georgia | $1,336 | -$110 | -7.6% |
| Hawaii | $1,040 | -$406 | -28.1% |
| Idaho | $978 | -$468 | -32.4% |
| Illinois | $1,078 | -$368 | -25.4% |
| Indiana | $1,090 | -$356 | -24.6% |
| Iowa | $976 | -$470 | -32.5% |
| Kansas | $1,376 | -$70 | -4.8% |
| Kentucky | $1,974 | $528 | 36.5% |
| Louisiana | $2,142 | $696 | 48.1% |
| Maine | $892 | -$554 | -38.3% |
| Maryland | $1,194 | -$252 | -17.4% |
| Massachusetts | $1,158 | -$288 | -19.9% |
| Michigan | $2,512 | $1,066 | 73.7% |
| Minnesota | $1,210 | -$236 | -16.3% |
| Mississippi | $1,732 | $286 | 19.8% |
| Missouri | $1,284 | -$162 | -11.2% |
| Montana | $1,554 | $108 | 7.5% |
| Nebraska | $1,140 | -$306 | -21.2% |
| Nevada | $1,736 | $290 | 20.1% |
| New Hampshire | $1,040 | -$406 | -28.1% |
| New Jersey | $1,616 | $170 | 11.8% |
| New Mexico | $1,282 | -$164 | -11.3% |
| New York | $1,524 | $78 | 5.4% |
| North Carolina | $834 | -$612 | -42.3% |
| North Dakota | $1,184 | -$262 | -18.1% |
| Ohio | $1,000 | -$446 | -30.8% |
| Oklahoma | $1,486 | $40 | 2.8% |
| Oregon | $1,326 | -$120 | -8.3% |
| Pennsylvania | $1,380 | -$66 | -4.6% |
| Rhode Island | $1,932 | $486 | 33.6% |
| South Carolina | $1,310 | -$136 | -9.4% |
| South Dakota | $1,222 | -$224 | -15.5% |
| Tennessee | $1,268 | -$178 | -12.3% |
| Texas | $1,742 | $296 | 20.5% |
| Utah | $1,072 | -$374 | -25.9% |
| Vermont | $990 | -$456 | -31.5% |
| Virginia | $866 | -$580 | -40.1% |
| Washington | $1,120 | -$326 | -22.5% |
| West Virginia | $1,326 | -$120 | -8.3% |
| Wisconsin | $1,000 | -$446 | -30.8% |
| Wyoming | $1,288 | -$158 | -10.9% |
Choosing high deductibles could save up to $570 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,408 | $117 |
| Cadillac CTS | $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 Cheaper Cadillac CTS Insurance
Saving money on Cadillac CTS insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $575 each year
- Drivers can save as much as $180 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $456 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,710 more each year for insurance
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 | $5,474 |
| 20 | $3,368 |
| 30 | $1,508 |
| 40 | $1,446 |
| 50 | $1,324 |
| 60 | $1,298 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,646 |
| $500 | $1,446 |
| $1,000 | $1,254 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,446 |
| 50/100 | $1,610 |
| 100/300 | $1,721 |
| 250/500 | $2,008 |
| 100 CSL | $1,655 |
| 300 CSL | $1,898 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,812 |
| 20 | $5,372 |
| 30 | $3,218 |
| 40 | $3,154 |
| 50 | $3,014 |
| 60 | $2,988 |
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 | $77 |
| Multi-vehicle | $78 |
| Homeowner | $22 |
| 5-yr Accident Free | $108 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $623 |
Discounts are estimated and may not be available from every company or in every state.
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