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 $1,308 a year for full coverage. Comprehensive costs around $248 each year, collision insurance costs $442, and liability insurance is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs around $2,840. Teenage drivers pay the highest rates at up to $5,030 a year.
Average premium for full coverage: $1,308
Price estimates for individual coverage:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and CTS models.
Price Range from Low to High
For a driver around age 40, Cadillac CTS insurance prices range from the low end price of $510 for your basic liability-only policy to a high rate of $2,840 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why all drivers should compare rates quotes for a specific zip code, 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.
More Rate Information
The chart below shows average Cadillac CTS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $758
- Raising to $1,000 deductibles will save about $154 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,308
- Using low deductibles bumps up the cost to $1,614
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,840
- The price that insures a teen driver can be $5,030
Insurance prices for a Cadillac CTS are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,000 a year. View Rates by Age
The state you live in also has a big influence on Cadillac CTS insurance rates. A middle-age driver might find prices as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,184 | -$124 | -9.5% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,088 | -$220 | -16.8% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,492 | $184 | 14.1% |
| Colorado | $1,252 | -$56 | -4.3% |
| Connecticut | $1,346 | $38 | 2.9% |
| Delaware | $1,482 | $174 | 13.3% |
| Florida | $1,640 | $332 | 25.4% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $940 | -$368 | -28.1% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $976 | -$332 | -25.4% |
| Indiana | $986 | -$322 | -24.6% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,244 | -$64 | -4.9% |
| Kentucky | $1,788 | $480 | 36.7% |
| Louisiana | $1,938 | $630 | 48.2% |
| Maine | $810 | -$498 | -38.1% |
| Maryland | $1,082 | -$226 | -17.3% |
| Massachusetts | $1,048 | -$260 | -19.9% |
| Michigan | $2,274 | $966 | 73.9% |
| Minnesota | $1,096 | -$212 | -16.2% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,408 | $100 | 7.6% |
| Nebraska | $1,032 | -$276 | -21.1% |
| Nevada | $1,570 | $262 | 20.0% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,464 | $156 | 11.9% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,380 | $72 | 5.5% |
| North Carolina | $754 | -$554 | -42.4% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $906 | -$402 | -30.7% |
| Oklahoma | $1,346 | $38 | 2.9% |
| Oregon | $1,200 | -$108 | -8.3% |
| Pennsylvania | $1,250 | -$58 | -4.4% |
| Rhode Island | $1,748 | $440 | 33.6% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,106 | -$202 | -15.4% |
| Tennessee | $1,148 | -$160 | -12.2% |
| Texas | $1,580 | $272 | 20.8% |
| Utah | $970 | -$338 | -25.8% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $786 | -$522 | -39.9% |
| Washington | $1,014 | -$294 | -22.5% |
| West Virginia | $1,200 | -$108 | -8.3% |
| Wisconsin | $906 | -$402 | -30.7% |
| Wyoming | $1,168 | -$140 | -10.7% |
Using high physical damage deductibles can reduce prices by up to $460 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per 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 | $1,280 | $107 |
| Cadillac CTS | $1,280 | $107 |
| Cadillac CTS Luxury AWD | $1,308 | $109 |
| Cadillac CTS Performance AWD | $1,308 | $109 |
| Cadillac CTS Luxury | $1,308 | $109 |
| Cadillac CTS Performance | $1,308 | $109 |
| Cadillac CTS Sport | $1,308 | $109 |
| Cadillac CTS Premium | $1,340 | $112 |
| Cadillac CTS Premium AWD | $1,370 | $114 |
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 | $260 | $494 | $456 | $1,368 |
| 2018 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2017 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2016 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2015 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2014 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2013 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2012 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2011 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2010 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2009 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2008 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2007 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2006 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 More Affordable Cadillac CTS Insurance
Getting lower rates on Cadillac CTS insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at every other renewal by quoting rates from direct carriers, and also from several local insurance agents.
The following is a summary of the concepts that were covered above.
- High-risk drivers who have multiple accidents or major violations pay on average $1,530 more every year for CTS insurance
- Teens pay higher prices, with premiums as much as $419 a month if full coverage is included
- Drivers can save up to $160 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $450 each year
- Drivers can save up to $160 per year just by quoting online in advance
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 | $5,030 |
| 20 | $3,028 |
| 30 | $1,356 |
| 40 | $1,308 |
| 50 | $1,198 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,472 |
| $500 | $1,308 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,154 |
| 20 | $4,826 |
| 30 | $2,892 |
| 40 | $2,840 |
| 50 | $2,716 |
| 60 | $2,692 |
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 | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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