Cadillac CTS Luxury AWD Insurance Rates
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Estimated insurance prices for a Cadillac CTS Luxury AWD are $1,542 every 12 months for full coverage insurance. Comprehensive costs approximately $354 a year, collision insurance costs $666, and liability coverage costs $364. A policy with only liability insurance costs as little as $430 a year, and a high-risk policy costs around $3,338. Teenage drivers pay the most at up to $5,606 a year.
Annual premium for full coverage: $1,542
Premium estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Cadillac CTS Trim Level
For the average driver, insurance rates for a Cadillac CTS Luxury AWD range from the cheapest price of $430 for your basic liability-only policy to a high of $3,338 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.
These rate differences illustrate why it is important for drivers to compare rates using their specific location and their own driving history, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Cadillac CTS Luxury AWD Insurance
Car insurance rates for a Cadillac CTS Luxury AWD also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the replacement cost of your CTS.
Using high physical damage deductibles could save up to $690 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Cadillac CTS Luxury AWD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.
With such a large range of rates, the only way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be substantially different.
The chart estimates Cadillac CTS Luxury AWD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $875. Drivers who use higher $1,000 deductibles will pay $1,312. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,542. Choosing low $100 deductibles for physical damage coverage can cost as much as $1,994. Drivers with multiple violations and accidents could be charged up to $3,338. The cost for full coverage insurance for a teenager is $5,606.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$119|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$75|
Discounts are estimated and may not be available from every company or in every state.