Cadillac CT5 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance prices for a Cadillac CT5 are $1,402 every 12 months for full coverage. Comprehensive costs around $368, collision costs $640, and liability costs around $284. Liability-only insurance costs as low as $328 a year, with high-risk driver insurance costing around $3,018. 16-year-old drivers pay the most at $4,894 a year or more.

Average premium for full coverage: $1,402

Premium estimates for type of coverage:

Comprehensive $368
Collision $640
Liability $284

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different CT5 trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Cadillac CT5 go from the cheapest price of $328 for just liability insurance to a much higher rate of $3,018 for high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than congested cities.

The price range example below illustrates how where you live affects auto insurance rates.

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

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based 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.

More Rate Details

The chart below shows estimated Cadillac CT5 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $784
  • Using higher $1,000 deductibles will save about $228 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,402
  • Buying more expensive low deductibles for physical damage coverage increases the price to $1,846
  • High-risk insureds with multiple tickets or accidents could pay at least $3,018 or more
  • An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,894 or more

View Chart as Image

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

Insurance prices for a Cadillac CT5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Opting for high physical damage deductibles could cut prices by as much as $680 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $255 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be from 45% to 128% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Cadillac CT5 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $2,000 on average in Michigan, Louisiana, and New York.

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

With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices will be substantially different.

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 Shop for the Right Cadillac CT5 Insurance

Finding better rates on insurance for a Cadillac CT5 requires avoiding accidents and violations, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every couple of years by getting quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a quick rundown of the material that was touched on in the above illustrations.

  • Insureds who may need higher liability limits will pay around $310 each year to increase from 30/60 bodily injury limits to a 250/500 level
  • Teenagers are charged the highest prices, as much as $408 per month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,620 more every year for car insurance
  • Increasing policy deductibles could save as much as $675 each year

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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