Cadillac CT5 Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Cadillac CT5 are $1,402 annually with full coverage. Comprehensive insurance costs an estimated $368 a year, collision costs $640, and liability coverage costs around $284. Liability-only insurance costs as low as $328 a year, with high-risk driver insurance costing $3,018 or more. Teens cost the most to insure at $4,894 a year or more.

Average premium for full coverage: $1,402

Policy rates broken down by type of insurance:

Comprehensive $368
Collision $640
Liability $284

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and CT5 trim levels.

Price Range Variability

For an average driver, Cadillac CT5 insurance rates go from as cheap as $328 for just liability insurance to a high of $3,018 for a high-risk insurance policy.

Liability Only $328
Full Coverage $1,402
High Risk $3,018

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,052
Small Cities $1,472
Large Cities $1,893

The examples above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than using averaged prices.

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 Details

The chart below details estimated Cadillac CT5 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $784
  • Using higher $1,000 deductibles will save approximately $1,174 annually
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,402
  • Selecting low $100 deductibles for physical damage coverage costs an additional $444 each year
  • Higher-risk drivers with serious driving violations could pay up to $3,018 or more
  • Policy cost with full coverage for a teenage driver can cost as much as $4,894 or more

View Chart as Image

Cadillac CT5 insurance cost comparison chart
Column chart showing full coverage Cadillac CT5 insurance prices range from $784 to $4,894

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

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 45% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $680 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $255 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Cadillac CT5 insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,890 on average in New York, Michigan, and Florida.

Cadillac CT5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,266 -$136 -9.7%
Alaska $1,076 -$326 -23.3%
Arizona $1,166 -$236 -16.8%
Arkansas $1,402 -$0 0.0%
California $1,596 $194 13.8%
Colorado $1,338 -$64 -4.6%
Connecticut $1,440 $38 2.7%
Delaware $1,584 $182 13.0%
Florida $1,750 $348 24.8%
Georgia $1,296 -$106 -7.6%
Hawaii $1,008 -$394 -28.1%
Idaho $950 -$452 -32.2%
Illinois $1,046 -$356 -25.4%
Indiana $1,058 -$344 -24.5%
Iowa $946 -$456 -32.5%
Kansas $1,332 -$70 -5.0%
Kentucky $1,910 $508 36.2%
Louisiana $2,074 $672 47.9%
Maine $862 -$540 -38.5%
Maryland $1,156 -$246 -17.5%
Massachusetts $1,118 -$284 -20.3%
Michigan $2,432 $1,030 73.5%
Minnesota $1,174 -$228 -16.3%
Mississippi $1,680 $278 19.8%
Missouri $1,242 -$160 -11.4%
Montana $1,506 $104 7.4%
Nebraska $1,104 -$298 -21.3%
Nevada $1,680 $278 19.8%
New Hampshire $1,010 -$392 -28.0%
New Jersey $1,564 $162 11.6%
New Mexico $1,240 -$162 -11.6%
New York $1,476 $74 5.3%
North Carolina $806 -$596 -42.5%
North Dakota $1,146 -$256 -18.3%
Ohio $968 -$434 -31.0%
Oklahoma $1,438 $36 2.6%
Oregon $1,286 -$116 -8.3%
Pennsylvania $1,334 -$68 -4.9%
Rhode Island $1,868 $466 33.2%
South Carolina $1,268 -$134 -9.6%
South Dakota $1,182 -$220 -15.7%
Tennessee $1,226 -$176 -12.6%
Texas $1,688 $286 20.4%
Utah $1,038 -$364 -26.0%
Vermont $958 -$444 -31.7%
Virginia $840 -$562 -40.1%
Washington $1,080 -$322 -23.0%
West Virginia $1,288 -$114 -8.1%
Wisconsin $970 -$432 -30.8%
Wyoming $1,246 -$156 -11.1%

View Chart as Image

Cadillac CT5 insurance rates by U.S. city

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied between companies.

Cadillac CT5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT5 $412 $690 $258 $1,470
2023 Cadillac CT5 $394 $686 $264 $1,454
2022 Cadillac CT5 $382 $668 $274 $1,434
2021 Cadillac CT5 $368 $640 $284 $1,402
2020 Cadillac CT5 $348 $618 $292 $1,368

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 Cheap Cadillac CT5 Insurance

Finding cheaper rates on auto insurance requires being a good driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the car insurance concepts covered in the above illustrations.

  • Drivers that tend to have accidents or serious violations pay on average $1,620 more annually than a safer driver
  • You may be able to save approximately $180 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $675 each year
  • Consumers who want an increased level of liability coverage will pay approximately $310 every year to increase from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Cadillac CT5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,894
20 $3,196
30 $1,484
40 $1,402
50 $1,276
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,846
$250 $1,640
$500 $1,402
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,459
100/300 $1,530
250/500 $1,714
100 CSL $1,487
300 CSL $1,643
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT5 Insurance Rates for High Risk Drivers
Age Premium
16 $7,048
20 $5,086
30 $3,108
40 $3,018
50 $2,876
60 $2,848

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.

SR-22 Surcharge $197

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $71
Homeowner $19
5-yr Accident Free $111
5-yr Claim Free $92
Paid in Full/EFT $71
Advance Quote $73
Online Quote $103
Total Discounts $618
Rate after discounts $784

Discounts are estimated and may not be available from every company or in every state.

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