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.

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:

Comprehensive $260
Collision $494
Liability $456

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.

Liability Only $508
Full Coverage $1,368
High Risk $2,974

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.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

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

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing Cadillac CTS insurance rates range from $786 to $5,224 for full coverage

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.

Cadillac CTS Insurance Rates by State
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%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

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 $1,334 $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.

Cadillac CTS Insurance Rates by Model Year
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

  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 $5,224
20 $3,174
30 $1,418
40 $1,368
50 $1,250
60 $1,228

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,700
$250 $1,546
$500 $1,368
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
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

Cadillac CTS Insurance 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.

SR-22 Surcharge $194

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
Rate after discounts $786

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

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