Cadillac CT5 Insurance Rates

The average insurance rates for a Cadillac CT5 are $1,368 a year including full coverage. Comprehensive costs approximately $348 each year, collision insurance costs $618, and liability insurance costs around $292. Liability-only coverage costs as low as $336 a year, and high-risk coverage costs around $2,950. Teenage drivers cost the most to insure at up to $4,814 a year.

Average premium for full coverage: $1,368

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CT5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below breaks down average Cadillac CT5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $766
• Using higher $1,000 deductibles will save $220 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,368
• Using low deductibles for physical damage coverage bumps up the cost to $1,794
• Drivers who are prone to accidents and violations could pay around $2,950
• Policy cost that insures a teen driver can cost $4,814 or more

View Chart as Image

Insurance rates for a Cadillac CT5 also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 46% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state has a huge impact on Cadillac CT5 insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $650 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $263 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Cadillac CT5 Insurance

Finding cheaper rates on Cadillac CT5 insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a quick review of the data covered above.

• Drivers who purchase higher liability limits will pay an extra $320 per year to increase from a 30/60 limit to the 250/500 level
• You may be able to save around $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Teens are the costliest to insure, with premiums being up to $401 each month if comprehensive and collision insurance is included