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 for full coverage insurance. Comprehensive insurance costs on average $368, collision costs $640, and liability costs $284. Liability-only coverage costs as little as $328 a year, with high-risk coverage costing $3,018 or more. 16-year-old drivers cost the most to insure at $4,894 a year or more.
Average premium for full coverage: $1,402
Policy rates by type of insurance:
Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all CT5 models.
Price Range Variability
For a 40-year-old driver, Cadillac CT5 insurance rates go from as cheap as $328 for just the minimum liability insurance to the much higher price of $3,018 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities.
The example below illustrates how your location can change car insurance rates.
The examples above illustrate why everyone should compare rates based on a specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below illustrates estimated Cadillac CT5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $784
- Drivers who choose higher $1,000 deductibles will pay around $228 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,402
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $444 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,018 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,894 a year
Insurance rates for a Cadillac CT5 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $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 are probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Cadillac CT5 insurance for high-risk drivers can cost from 45% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $680 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $255 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac CT5 insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,890 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and rates will be varied between companies.
| 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 the Right Cadillac CT5 Insurance
Finding cheaper rates on insurance for a Cadillac CT5 not only requires being a low-risk driver, but also having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a quick rundown of the car insurance concepts illustrated above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,620 more each year to insure their CT5
- It is possible to save as much as $180 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Insureds who require more liability coverage will pay around $310 annually to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,640 |
| $500 | $1,402 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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