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...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac CT5 are $1,368 a year including full coverage. Comprehensive costs on average $348, collision insurance costs $618, and liability insurance costs around $292. A policy with just liability insurance costs as low as $336 a year, and coverage for high-risk drivers costs around $2,950. 16-year-old drivers pay the highest rates at up to $4,814 a year.
Average premium for full coverage: $1,368
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all CT5 models.
Price Range from Low to High
For the average driver, Cadillac CT5 insurance prices range from as low as $336 for a discount liability-only rate to the much higher price of $2,950 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how location impacts car insurance rates.
The ranges above highlight why everyone should compare prices based on a specific location and risk profile, rather than relying on rate 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 breaks down average Cadillac CT5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $766
- Using higher $1,000 deductibles will save around $220 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,368
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,794
- Drivers with multiple tickets or accidents could pay upwards of $2,950
- The price for full coverage for a teen driver for full coverage may cost $4,814 or more
Insurance prices for a Cadillac CT5 are also quite variable based on your driving record, the model of your CT5, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age
The state you live in has a huge impact on Cadillac CT5 insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,950 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $650 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $263 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Cadillac CT5 insurance for high-risk drivers can be anywhere from 46% to 131% more than the average rate. View High Risk Driver Rates
| 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 Right Cadillac CT5 Insurance
Getting lower rates on Cadillac CT5 insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and determing if full coverage is necessary. Spend time shopping around at every other renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a quick rundown of the concepts that were touched on above.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,580 more each year for car insurance
- Teenagers pay the highest prices, possibly costing $401 a month for full coverage
- You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $650 each year
- You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
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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