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.
U.S. average insurance rates for a Cadillac CTS are $1,368 a year with full coverage. Comprehensive costs on average $260, collision insurance costs $494, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $2,974. Teen drivers pay the highest rates at up to $5,224 a year.
Average premium for full coverage: $1,368
Price estimates by individual coverage:
Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all CTS models.
Price Range from Low to High
For a driver in their 40's, Cadillac CTS insurance prices range from the low end price of $508 for the bare minimum liability coverage to the much higher price of $2,974 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.
The ranges above demonstrate why everyone should get quotes based on a specific location, instead of making a decision based 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 Rate Information
The chart below details average Cadillac CTS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $786
- Choosing higher $1,000 deductibles can save around $172 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,368
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,700
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,974
- The price that insures a 16-year-old driver for full coverage may cost $5,224 each year
Auto insurance prices for a Cadillac CTS are also quite variable based on the model of your CTS, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,300 in extra premium each year, depending on your age. Cadillac CTS insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age
The state you live in plays a big part in determining prices for Cadillac CTS insurance prices. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,850 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can save as much as $510 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Low Cost Cadillac CTS Insurance
Getting lower rates on insurance for a Cadillac CTS takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around at every other renewal by obtaining price quotes from direct companies, and also from several local insurance agents.
The following is a review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,610 more each year for CTS insurance
- Teens are charged the highest prices, costing up to $435 a month if the policy includes full coverage
- You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $500 each year
- You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
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 | $5,224 |
| 20 | $3,174 |
| 30 | $1,418 |
| 40 | $1,368 |
| 50 | $1,250 |
| 60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,700 |
| $250 | $1,546 |
| $500 | $1,368 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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