Cadillac CTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

The average insurance rates for a Cadillac CTS are $1,404 a year with full coverage. Comprehensive insurance costs around $270, collision costs $524, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $3,056 or more. Teen drivers cost the most to insure at $5,338 a year or more.

Average premium for full coverage: $1,404

Policy rates for type of insurance:

Comprehensive $270
Collision $524
Liability $452

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different CTS trim levels.

Price Range Variability

Using a middle-aged driver as an example, Cadillac CTS insurance rates go from the low end price of $504 for just liability coverage to a much higher rate of $3,056 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,404
High Risk $3,056

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using 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.

Detailed Rate Analysis

The chart below details estimated Cadillac CTS insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $802
  • Raising to $1,000 deductibles will save about $180 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,404
  • Choosing more expensive low deductibles will cost an additional $352 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $3,056 or more
  • Policy cost that insures a teen driver with full coverage can be $5,338

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing full coverage Cadillac CTS insurance prices range from $802 to $5,338

Insurance rates for a Cadillac CTS also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Your home state also has a big influence on Cadillac CTS insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.

Cadillac CTS Insurance Rates by State
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%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $540 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Cadillac CTS Insurance Rates by Model and Trim Level
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.

Cadillac CTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Cadillac CTS $282 $564 $442 $1,446
2018 Cadillac CTS $270 $524 $452 $1,404
2017 Cadillac CTS $260 $494 $456 $1,368
2016 Cadillac CTS $248 $442 $460 $1,308
2015 Cadillac CTS $232 $408 $460 $1,258
2014 Cadillac CTS $224 $382 $464 $1,228
2013 Cadillac CTS $220 $356 $474 $1,208
2012 Cadillac CTS $202 $330 $474 $1,164
2011 Cadillac CTS $198 $300 $478 $1,134
2010 Cadillac CTS $184 $274 $474 $1,090
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 Find the Cheapest Cadillac CTS Insurance

Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Shop around at every other renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following list is a recap of the concepts that were touched on in the above illustrations.

  • Higher risk drivers that have major violations or accidents may pay on average $1,650 more every year than a safer driver
  • Drivers age 16 to 20 pay higher rates, as much as $445 each month if full coverage is included
  • You may be able to save up to $170 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • You may be able to save up to $170 per year simply by shopping early and online

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

  1. https://www.iihs.org/ratings/vehicle/cadillac/cts-4-door-sedan/2019

Rates by Driver Age

Cadillac CTS Insurance 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

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,592
$500 $1,404
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
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

Cadillac CTS Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $802

Discounts are estimated and may not be available from every company or in every state.

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