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:
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.
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.
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
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.
| 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% |
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.
| 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
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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