Cadillac CTS Luxury Insurance Rates
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The average insurance rates for a Cadillac CTS Luxury are $1,542 a year including full coverage. Comprehensive costs an estimated $354 each year, collision costs $666, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $3,338. Teen drivers cost the most to insure at $5,606 a year or more.
Annual premium for full coverage: $1,542
Policy rates broken down by individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Cadillac CTS Trim Level
For an average driver, Cadillac CTS Luxury insurance rates go from as low as $430 for just liability insurance to a high rate of $3,338 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
These price differences highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on price averages.
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 Insurance
Insurance rates for a Cadillac CTS Luxury also range considerably based on your risk profile, the replacement cost of your CTS, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,600 a year. View Rates by Age
Your home state has a huge impact on Cadillac CTS Luxury insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.
Choosing high deductibles could cut rates by as much as $690 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
The chart above shows average Cadillac CTS Luxury insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $875. Drivers who choose higher $1,000 deductibles will pay around $1,312. The average rate for a driver around age 40 using $500 deductibles is $1,542. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,994. High risk drivers could be charged around $3,338. The policy rate for full coverage insurance for a teenage driver can be as high as $5,606.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
Not your model?
Choose a different trim level below
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.
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