Cadillac CT5 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac CT5 are $1,368 a year for full coverage. Comprehensive insurance costs around $348 a year, collision costs $618, and liability is estimated at $292. A liability-only policy costs approximately $336 a year, with high-risk insurance costing $2,950 or more. Teenage drivers receive the highest rates at $4,814 a year or more.
Average premium for full coverage: $1,368
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and CT5 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $336 for your basic liability-only policy to a high of $2,950 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples show why it is important to get quotes for a specific zip code and risk profile, 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.
More Rate Information
The chart below shows estimated Cadillac CT5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $766
- Choosing higher $1,000 deductibles can save about $1,148 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,368
- Using low $100 deductibles for comp and collision coverage will cost an extra $426 every year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,950 or more
- The cost for full coverage for a teen driver can be $4,814 each year
Insurance rates for a Cadillac CT5 can also vary considerably based on your driver profile, the trim level of your CT5, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac CT5 insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles can save as much as $650 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $263 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 46% to 131% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different 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 Cheaper Cadillac CT5 Insurance
Saving money on car insurance takes avoiding accidents and claims, maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Make time to compare rates once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The points below are a condensed summary of the data that was touched on in this article.
- Drivers can save up to $170 per year simply by quoting early and online
- Policyholders who may need increased liability limits will pay an extra $320 each year to raise limits from a minimum limit to 250/500 limits
- Drivers under the age of 20 pay higher rates, costing as high as $401 per month for full coverage
- Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,580 more every year to insure a Cadillac CT5
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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