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 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:

Comprehensive $282
Collision $564
Liability $442

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.

Liability Only $496
Full Coverage $1,446
High Risk $3,154

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.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

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

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing Cadillac CTS insurance prices range from $823 to $5,474 for full coverage

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.

Cadillac CTS Insurance Rates by State
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%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

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

Cadillac CTS Insurance Rates by Model and Trim Level
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.

Cadillac CTS Insurance Rates by Model Year
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.



Rates by Driver Age

Cadillac CTS Insurance 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

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,822
$250 $1,646
$500 $1,446
$1,000 $1,254

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
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

Cadillac CTS Insurance 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.

SR-22 Surcharge $206

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
Rate after discounts $823

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

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