Cadillac CTS Insurance Rates

Estimated insurance rates for a Cadillac CTS are $1,496 a year including full coverage. Comprehensive costs around $340, collision insurance costs $634, and liability costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $3,236. Teen drivers pay the most at up to $5,462 a year.

Annual premium for full coverage: $1,496

Premium estimates for type of insurance:

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

Price Range for Insurance for this Cadillac CTS Trim Level

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance rates for a Cadillac CTS also have a wide range based on the model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost from 44% to 135% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac CTS insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $660 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to figure out your exact price is to compare prices from multiple companies. Every company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

The chart above shows average Cadillac CTS insurance prices for various risks and coverage choices. The cheapest discount price is $852. Drivers who choose higher $1,000 deductibles will pay $1,276. The average price for a driver age 40 with no violations using $500 deductibles is $1,496. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,928. High risk drivers could be charged up to $3,236. The price for full coverage insurance for a 16-year-old driver is $5,462.

View Chart as Image