Cadillac CT5 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac CT5 are $1,368 annually for full coverage. Comprehensive costs an estimated $348, collision costs $618, and liability costs around $292. Liability-only insurance costs as low as $336 a year, with high-risk driver insurance costing around $2,950. Teenage drivers pay the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,368
Price estimates broken down by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different CT5 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac CT5 insurance prices go from as cheap as $336 for just the minimum liability insurance to a much higher rate of $2,950 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on insurance rates. More rural locations have fewer accident claims than densely populated cities.
The price range example below illustrates how where you live affects insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using average rates.
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.
Additional Rate Analysis
The chart below shows estimated Cadillac CT5 insurance rates for other coverage scenarios.
- The best discount rate is $766
- Using higher $1,000 deductibles will save approximately $220 a year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,368
- Using more expensive low deductibles for physical damage coverage will cost $1,794
- Drivers who are prone to accidents and violations could pay up to $2,950 or more
- The price with full coverage for a teen driver with full coverage can cost as much as $4,814 or more
Car insurance prices for a Cadillac CT5 are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be as much as 46% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $650 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $263 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Cadillac CT5 insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in New York, Louisiana, and Michigan.
| 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 only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
| 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 Buy Cheaper Cadillac CT5 Insurance
Getting lower rates on car insurance requires having a decent driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a condensed summary of the data touched on in the above illustrations.
- Policyholders who want additional liability coverage will pay an extra $320 each year to increase from a low limit to higher 250/500 limits
- Drivers can save approximately $170 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $650 each year
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $401 a month if comprehensive and collision insurance is included
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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