Cadillac CT5 Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance rates for a Cadillac CT5 are $1,368 a year with full coverage. Comprehensive costs on average $348, collision costs $618, and liability costs $292. Liability-only insurance costs as little as $336 a year, with high-risk driver insurance costing around $2,950. Teens cost the most to insure at $4,814 a year or more.

Average premium for full coverage: $1,368

Policy rates by type of insurance:

Comprehensive $348
Collision $618
Liability $292

Includes $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different CT5 trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Cadillac CT5 insurance rates go from as low as $336 for your basic liability-only policy to a much higher rate of $2,950 for coverage for higher-risk drivers.

Liability Only $336
Full Coverage $1,368
High Risk $2,950

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below details estimated Cadillac CT5 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $766
  • Drivers who choose higher $1,000 deductibles will pay around $220 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,368
  • Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,794
  • Drivers with serious driving violations could pay upwards of $2,950 or more
  • Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,814 a year

View Chart as Image

Cadillac CT5 insurance cost comparison chart
Column chart showing full coverage Cadillac CT5 insurance rates range from $766 to $4,814

Auto insurance rates for a Cadillac CT5 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age

Your home state makes a big difference in Cadillac CT5 insurance prices. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

Cadillac CT5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,236 -$132 -9.6%
Alaska $1,048 -$320 -23.4%
Arizona $1,136 -$232 -17.0%
Arkansas $1,368 -$0 0.0%
California $1,556 $188 13.7%
Colorado $1,304 -$64 -4.7%
Connecticut $1,406 $38 2.8%
Delaware $1,548 $180 13.2%
Florida $1,706 $338 24.7%
Georgia $1,266 -$102 -7.5%
Hawaii $984 -$384 -28.1%
Idaho $926 -$442 -32.3%
Illinois $1,020 -$348 -25.4%
Indiana $1,030 -$338 -24.7%
Iowa $924 -$444 -32.5%
Kansas $1,300 -$68 -5.0%
Kentucky $1,864 $496 36.3%
Louisiana $2,024 $656 48.0%
Maine $842 -$526 -38.5%
Maryland $1,126 -$242 -17.7%
Massachusetts $1,092 -$276 -20.2%
Michigan $2,376 $1,008 73.7%
Minnesota $1,144 -$224 -16.4%
Mississippi $1,638 $270 19.7%
Missouri $1,212 -$156 -11.4%
Montana $1,470 $102 7.5%
Nebraska $1,078 -$290 -21.2%
Nevada $1,640 $272 19.9%
New Hampshire $986 -$382 -27.9%
New Jersey $1,526 $158 11.5%
New Mexico $1,210 -$158 -11.5%
New York $1,440 $72 5.3%
North Carolina $786 -$582 -42.5%
North Dakota $1,118 -$250 -18.3%
Ohio $944 -$424 -31.0%
Oklahoma $1,402 $34 2.5%
Oregon $1,254 -$114 -8.3%
Pennsylvania $1,304 -$64 -4.7%
Rhode Island $1,824 $456 33.3%
South Carolina $1,238 -$130 -9.5%
South Dakota $1,154 -$214 -15.6%
Tennessee $1,198 -$170 -12.4%
Texas $1,646 $278 20.3%
Utah $1,014 -$354 -25.9%
Vermont $934 -$434 -31.7%
Virginia $820 -$548 -40.1%
Washington $1,056 -$312 -22.8%
West Virginia $1,256 -$112 -8.2%
Wisconsin $946 -$422 -30.8%
Wyoming $1,216 -$152 -11.1%

View Chart as Image

Cadillac CT5 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $650 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $263 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can cost from 46% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied from one company to the next.

Cadillac CT5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT5 $394 $686 $264 $1,454
2023 Cadillac CT5 $382 $668 $274 $1,434
2022 Cadillac CT5 $368 $640 $284 $1,402
2021 Cadillac CT5 $348 $618 $292 $1,368
2020 Cadillac CT5 $334 $574 $298 $1,316

Rates are averaged for all Cadillac CT5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest Cadillac CT5 Insurance

Finding cheaper rates on insurance for a Cadillac CT5 not only requires having a good driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a recap of the primary concepts that were raised in the charts and tables above.

  • You may be able to save as much as $170 per year simply by shopping early and online
  • Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,580 more each year to buy Cadillac CT5 insurance
  • Increasing comprehensive and collision deductibles can save around $650 each year
  • Drivers age 20 and younger are charged the highest rates, as much as $401 each month if they have full coverage

Rates by Driver Age

Cadillac CT5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,814
20 $3,128
30 $1,446
40 $1,368
50 $1,246
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,794
$250 $1,596
$500 $1,368
$1,000 $1,148

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,368
50/100 $1,426
100/300 $1,499
250/500 $1,689
100 CSL $1,456
300 CSL $1,616
500 CSL $1,733

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,936
20 $4,978
30 $3,036
40 $2,950
50 $2,810
60 $2,784

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $70
Homeowner $18
5-yr Accident Free $108
5-yr Claim Free $90
Paid in Full/EFT $69
Advance Quote $71
Online Quote $101
Total Discounts $602
Rate after discounts $766

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

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