Cadillac CT5 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CT5 are $1,368 every 12 months with full coverage. Comprehensive insurance costs around $348 a year, collision costs $618, and liability insurance is estimated at $292. Liability-only coverage costs approximately $336 a year, with high-risk coverage costing $2,950 or more. Teen drivers pay the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,368
Price estimates for individual coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and CT5 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Cadillac CT5 insurance prices go from the cheapest price of $336 for a discount liability-only rate to a high of $2,950 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on price averages.
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.
Rates by State, City, and Model
The chart below details estimated Cadillac CT5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $766
- Choosing higher $1,000 deductibles can save about $1,148 annually
- The average price for the average middle-age driver using $500 deductibles is $1,368
- Choosing low $100 deductibles for comp and collision coverage costs an extra $426 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,950 or more
- The price to insure a teen driver can be $4,814 each year
Auto insurance prices for a Cadillac CT5 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing high deductibles can save as much as $650 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $263 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 46% to 131% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac CT5 insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,850 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices may be quite different.
| 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 Shop for the Right Cadillac CT5 Insurance
Getting lower rates on Cadillac CT5 insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a quick rundown of the car insurance concepts touched on in this article.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,580 more every year than a low-risk driver
- You may be able to save up to $170 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $650 each year
- Drivers who may need more liability protection will pay about $320 every year to raise limits from a low limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,794 |
| $250 | $1,596 |
| $500 | $1,368 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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