Cadillac CTS Insurance Rates
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UPDATED: May 23, 2024
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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 $1,368 annually with full coverage. Comprehensive costs approximately $260 a year, collision insurance costs $494, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $2,974. 16-year-old drivers pay the most at up to $5,224 a year.
Average premium for full coverage: $1,368
Premium estimates by type of coverage:
Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and CTS trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Cadillac CTS range from as cheap as $508 for your basic liability-only policy to a high of $2,974 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.
These rate differences demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using 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.
More Rate Information
The chart below details average Cadillac CTS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $786
- Using higher $1,000 deductibles will save $1,196 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,368
- Buying low $100 deductibles for physical damage coverage will cost $1,700
- Drivers with multiple tickets or accidents could pay around $2,974
- An auto insurance policy with full coverage for a teen driver can cost $5,224 or more
Insurance prices for a Cadillac CTS also have a wide range based on the model of your CTS, your driving record, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $510 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac CTS insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or at least $1,850 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,236 | -$132 | -9.6% |
Alaska | $1,050 | -$318 | -23.2% |
Arizona | $1,136 | -$232 | -17.0% |
Arkansas | $1,368 | -$0 | 0.0% |
California | $1,558 | $190 | 13.9% |
Colorado | $1,308 | -$60 | -4.4% |
Connecticut | $1,406 | $38 | 2.8% |
Delaware | $1,548 | $180 | 13.2% |
Florida | $1,710 | $342 | 25.0% |
Georgia | $1,262 | -$106 | -7.7% |
Hawaii | $982 | -$386 | -28.2% |
Idaho | $924 | -$444 | -32.5% |
Illinois | $1,020 | -$348 | -25.4% |
Indiana | $1,030 | -$338 | -24.7% |
Iowa | $924 | -$444 | -32.5% |
Kansas | $1,298 | -$70 | -5.1% |
Kentucky | $1,866 | $498 | 36.4% |
Louisiana | $2,022 | $654 | 47.8% |
Maine | $844 | -$524 | -38.3% |
Maryland | $1,128 | -$240 | -17.5% |
Massachusetts | $1,094 | -$274 | -20.0% |
Michigan | $2,378 | $1,010 | 73.8% |
Minnesota | $1,146 | -$222 | -16.2% |
Mississippi | $1,640 | $272 | 19.9% |
Missouri | $1,212 | -$156 | -11.4% |
Montana | $1,470 | $102 | 7.5% |
Nebraska | $1,076 | -$292 | -21.3% |
Nevada | $1,640 | $272 | 19.9% |
New Hampshire | $986 | -$382 | -27.9% |
New Jersey | $1,528 | $160 | 11.7% |
New Mexico | $1,212 | -$156 | -11.4% |
New York | $1,442 | $74 | 5.4% |
North Carolina | $788 | -$580 | -42.4% |
North Dakota | $1,118 | -$250 | -18.3% |
Ohio | $944 | -$424 | -31.0% |
Oklahoma | $1,404 | $36 | 2.6% |
Oregon | $1,252 | -$116 | -8.5% |
Pennsylvania | $1,304 | -$64 | -4.7% |
Rhode Island | $1,824 | $456 | 33.3% |
South Carolina | $1,238 | -$130 | -9.5% |
South Dakota | $1,154 | -$214 | -15.6% |
Tennessee | $1,198 | -$170 | -12.4% |
Texas | $1,646 | $278 | 20.3% |
Utah | $1,014 | -$354 | -25.9% |
Vermont | $938 | -$430 | -31.4% |
Virginia | $820 | -$548 | -40.1% |
Washington | $1,056 | -$312 | -22.8% |
West Virginia | $1,252 | -$116 | -8.5% |
Wisconsin | $948 | -$420 | -30.7% |
Wyoming | $1,220 | -$148 | -10.8% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Cadillac CTS AWD | $1,334 | $111 |
Cadillac CTS | $1,334 | $111 |
Cadillac CTS Luxury AWD | $1,368 | $114 |
Cadillac CTS Performance AWD | $1,368 | $114 |
Cadillac CTS Luxury | $1,368 | $114 |
Cadillac CTS Performance | $1,368 | $114 |
Cadillac CTS Sport | $1,368 | $114 |
Cadillac CTS Premium | $1,400 | $117 |
Cadillac CTS Premium AWD | $1,434 | $120 |
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 |
---|---|---|---|---|
2019 Cadillac CTS | $270 | $524 | $452 | $1,404 |
2018 Cadillac CTS | $260 | $494 | $456 | $1,368 |
2017 Cadillac CTS | $248 | $442 | $460 | $1,308 |
2016 Cadillac CTS | $232 | $408 | $460 | $1,258 |
2015 Cadillac CTS | $224 | $382 | $464 | $1,228 |
2014 Cadillac CTS | $220 | $356 | $474 | $1,208 |
2013 Cadillac CTS | $202 | $330 | $474 | $1,164 |
2012 Cadillac CTS | $198 | $300 | $478 | $1,134 |
2011 Cadillac CTS | $184 | $274 | $474 | $1,090 |
2010 Cadillac CTS | $174 | $250 | $474 | $1,056 |
2009 Cadillac CTS | $168 | $224 | $468 | $1,018 |
2008 Cadillac CTS | $166 | $218 | $460 | $1,002 |
2007 Cadillac CTS | $162 | $208 | $452 | $980 |
2006 Cadillac CTS | $148 | $198 | $446 | $950 |
2005 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 Affordable Cadillac CTS Insurance
Finding better rates on car insurance requires being a safe and courteous driver, having good credit, being claim-free, and consideration of higher deductibles. Spend time shopping around every time your policy renews by getting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a brief review of the information touched on above.
- You may be able to save around $170 per year just by quoting early and online
- Teenage drivers are the costliest to insure, possibly costing $435 per month if they have full coverage
- Increasing policy deductibles could save up to $500 each year
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,610 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay around $500 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
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 | $5,224 |
20 | $3,174 |
30 | $1,418 |
40 | $1,368 |
50 | $1,250 |
60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,700 |
$250 | $1,546 |
$500 | $1,368 |
$1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,368 |
50/100 | $1,525 |
100/300 | $1,639 |
250/500 | $1,936 |
100 CSL | $1,571 |
300 CSL | $1,822 |
500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,442 |
20 | $5,060 |
30 | $3,028 |
40 | $2,974 |
50 | $2,842 |
60 | $2,818 |
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 | $73 |
Multi-vehicle | $74 |
Homeowner | $21 |
5-yr Accident Free | $99 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $61 |
Advance Quote | $68 |
Online Quote | $97 |
Total Discounts | $582 |
Discounts are estimated and may not be available from every company or in every state.
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