Cadillac CT5 Insurance Rates

The average insurance rates for a Cadillac CT5 are $1,402 a year for full coverage. Comprehensive costs on average $368, collision insurance costs $640, and liability costs $284. Buying just liability costs as little as $328 a year, and insurance for high-risk drivers costs around $3,018. Teens cost the most to insure at up to $4,894 a year.

Average premium for full coverage: $1,402

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all CT5 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone 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.

Rates by State, City, and Model

The chart below shows average Cadillac CT5 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $784
• Drivers who choose higher $1,000 deductibles will pay around $228 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,402
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,846
• Drivers with serious driving violations could pay upwards of $3,018
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $4,894 a year

View Chart as Image

Insurance rates for a Cadillac CT5 also range considerably based on your risk profile, the trim level of your CT5, and policy deductibles and limits.

A more mature driver with a clean 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 can expect 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 $920 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $680 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $255 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Cadillac CT5 insurance for high-risk drivers can cost from 45% to 128% more than the average policy. View High Risk Driver Rates

How to Find Affordable Cadillac CT5 Insurance

Finding cheaper rates on insurance for a Cadillac CT5 not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief review of the car insurance concepts touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions will pay on average $1,620 more each year to insure their CT5
• Drivers can save as much as $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $675 each year
• Insureds who require more liability coverage will pay approximately $310 each year to go from a 30/60 limit to 250/500 limits