Cadillac CTS Sport Insurance Rates

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Estimated insurance prices for a Cadillac CTS Sport are $1,542 every 12 months including full coverage. Comprehensive costs on average $354, collision costs $666, and liability costs $364. Liability-only coverage costs as little as $430 a year, with high-risk coverage costing around $3,338. Teenage drivers pay the most at $5,606 a year or more.

Annual premium for full coverage: $1,542

Premium estimates by type of insurance:

Comprehensive $354
Collision $666
Liability $364

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

Price Range for Insurance for this Cadillac CTS Trim Level

For a driver in their 40's, insurance rates for a Cadillac CTS Sport go from the cheapest price of $430 for a discount liability-only rate to a much higher rate of $3,338 for a driver who has had serious violations or accidents.

Liability Only $430
Full Coverage $1,542
High Risk $3,338

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

Rural Areas $1,157
Small Cities $1,619
Large Cities $2,082

These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of 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.

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Insurance rates for a Cadillac CTS Sport also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year of your CTS.

Using high physical damage deductibles could save up to $690 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $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 can expect to pay upwards of $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost as much as 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 Sport insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be substantially different.

View Chart as Image

Cadillac CTS Sport insurance cost comparison chart
Column chart showing Cadillac CTS Sport insurance prices range from $875 to $5,606 for full coverage

The chart above shows average Cadillac CTS Sport insurance rates for different coverage choices and risks. The best rate after discounts is $875. Drivers who use higher $1,000 deductibles will pay $1,312. The average rate for a 40-year-old male driver using $500 deductibles is $1,542. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,994. Drivers with multiple violations and accidents could be charged up to $3,338. The price for full coverage insurance for a teen driver is $5,606.

Cadillac CTS Sport Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,394 -$148 -9.6%
Alaska $1,182 -$360 -23.3%
Arizona $1,282 -$260 -16.9%
Arkansas $1,542 -$0 0.0%
California $1,758 $216 14.0%
Colorado $1,474 -$68 -4.4%
Connecticut $1,586 $44 2.9%
Delaware $1,746 $204 13.2%
Florida $1,928 $386 25.0%
Georgia $1,426 -$116 -7.5%
Hawaii $1,108 -$434 -28.1%
Idaho $1,044 -$498 -32.3%
Illinois $1,148 -$394 -25.6%
Indiana $1,162 -$380 -24.6%
Iowa $1,042 -$500 -32.4%
Kansas $1,466 -$76 -4.9%
Kentucky $2,106 $564 36.6%
Louisiana $2,282 $740 48.0%
Maine $952 -$590 -38.3%
Maryland $1,272 -$270 -17.5%
Massachusetts $1,234 -$308 -20.0%
Michigan $2,682 $1,140 73.9%
Minnesota $1,290 -$252 -16.3%
Mississippi $1,848 $306 19.8%
Missouri $1,368 -$174 -11.3%
Montana $1,656 $114 7.4%
Nebraska $1,218 -$324 -21.0%
Nevada $1,850 $308 20.0%
New Hampshire $1,112 -$430 -27.9%
New Jersey $1,724 $182 11.8%
New Mexico $1,366 -$176 -11.4%
New York $1,626 $84 5.4%
North Carolina $890 -$652 -42.3%
North Dakota $1,264 -$278 -18.0%
Ohio $1,064 -$478 -31.0%
Oklahoma $1,586 $44 2.9%
Oregon $1,412 -$130 -8.4%
Pennsylvania $1,472 -$70 -4.5%
Rhode Island $2,056 $514 33.3%
South Carolina $1,398 -$144 -9.3%
South Dakota $1,302 -$240 -15.6%
Tennessee $1,352 -$190 -12.3%
Texas $1,858 $316 20.5%
Utah $1,144 -$398 -25.8%
Vermont $1,056 -$486 -31.5%
Virginia $924 -$618 -40.1%
Washington $1,192 -$350 -22.7%
West Virginia $1,414 -$128 -8.3%
Wisconsin $1,070 -$472 -30.6%
Wyoming $1,376 -$166 -10.8%

View Chart as Image

Cadillac CTS Sport insurance rates by U.S. city

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Rates by Driver Age

Cadillac CTS Sport Insurance Rates by Driver Age
Driver Age Premium
16 $5,606
20 $3,564
30 $1,620
40 $1,542
50 $1,406
60 $1,380

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Sport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,994
$250 $1,784
$500 $1,542
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Sport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,542
50/100 $1,615
100/300 $1,706
250/500 $1,942
100 CSL $1,651
300 CSL $1,851
500 CSL $1,997

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Sport Insurance Rates for High Risk Drivers
Age Premium
16 $8,030
20 $5,666
30 $3,426
40 $3,338
50 $3,184
60 $3,154

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.

SR-22 Surcharge $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $79
Homeowner $21
5-yr Accident Free $119
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $111
Total Discounts $667
Rate after discounts $875

Discounts are estimated and may not be available from every company or in every state.

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