Cadillac CTS Insurance Rates
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UPDATED: Jun 2, 2023
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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 $1,404 annually for full coverage insurance. Comprehensive costs around $270 a year, collision insurance costs $524, and liability insurance costs $452. A policy with only liability insurance costs as little as $504 a year, and a high-risk policy costs around $3,056. Teen drivers pay the most at up to $5,338 a year.
Average premium for full coverage: $1,404
Premium estimates for type of coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 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 $504 for liability-only coverage to a high of $3,056 for high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.
These rate differences illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, rather than relying on 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.
Additional Charts and Tables
The chart below illustrates average Cadillac CTS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $802
- Drivers who choose higher $1,000 deductibles will pay about $1,224 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,404
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,756
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,056
- An auto insurance policy with full coverage for a teen driver can be $5,338 a year
Car insurance prices for a Cadillac CTS also have a wide range based on the model of your CTS, your risk profile, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $540 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Cadillac CTS insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,900 on average in Michigan, New York, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Right Cadillac CTS Insurance
Finding better rates on Cadillac CTS insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every couple of years by getting quotes from direct insurance companies, and also from several local insurance agents.
The following items are a quick rundown of the material that was touched on above.
- Drivers who may need additional liability coverage will pay about $500 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $445 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay on average $1,650 more every year than a driver with a clean driving record
- Increasing policy deductibles could save up to $525 each year
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 | $5,338 |
| 20 | $3,262 |
| 30 | $1,460 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,260 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,592 |
| $500 | $1,404 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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