Cadillac CTS AWD Insurance Rates

Average insurance prices for a Cadillac CTS AWD are $1,496 every 12 months for full coverage insurance. Comprehensive costs around $340, collision costs $634, and liability insurance costs around $364. Only liability insurance costs as low as $430 a year, with high-risk insurance costing around $3,236. Teenage drivers receive the highest rates at $5,462 a year or more.

Annual premium for full coverage: $1,496

Rate estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Cadillac CTS Trim Level

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance rates.

These differences illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance rates for a Cadillac CTS AWD can also vary considerably based on policy deductibles and limits, your risk profile, and the actual cash value of your CTS.

Using high physical damage deductibles could cut rates by as much as $660 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,800 to $2,400 extra per year, depending on your age. Cadillac CTS AWD insurance for high-risk drivers can be anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Cadillac CTS AWD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates can be significantly different.

View Chart as Image

The chart estimates Cadillac CTS AWD insurance rates for different coverage choices and risks. The lowest rate with discounts is $852. Drivers who use higher $1,000 deductibles will pay $1,276. The average rate for a driver age 40 with no violations using $500 deductibles is $1,496. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,928. Drivers with multiple violations and accidents could be charged as much as $3,236. The rate for full coverage insurance for a 16-year-old driver can be as high as $5,462.

View Chart as Image