Cadillac CTS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 insurance rates for a Cadillac CTS are $1,368 a year with full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $494, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,974 or more. Teenage drivers pay the most at up to $5,224 a year.

Average premium for full coverage: $1,368

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $494
Liability $456

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different CTS trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Cadillac CTS range from as low as $508 for just the minimum liability insurance to a much higher rate of $2,974 for a high-risk insurance policy.

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

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on average rates.

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 Rate Analysis

The chart below details average Cadillac CTS insurance rates for other coverage scenarios.

  • The best discount rate is $786
  • Drivers who choose higher $1,000 deductibles will pay approximately $172 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,368
  • Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $332 a year
  • High risk drivers who are prone to accidents and violations could pay up to $2,974
  • An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,224 a year

View Chart as Image

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

Auto insurance prices for a Cadillac CTS also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac CTS insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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

Using high physical damage deductibles could save up to $510 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. 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 $1,334 $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 Find the Best Cadillac CTS Insurance

Finding better rates on Cadillac CTS insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the car insurance concepts covered above.

  • High-risk drivers who tend to receive serious violations may pay on average $1,610 more annually for car insurance
  • You may be able to save approximately $170 per year just by shopping early and online
  • Increasing policy deductibles can save around $500 each year
  • Drivers who want higher liability limits will pay an extra $500 every year to go from 30/60 bodily injury limits to 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles