Cadillac CT6 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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The average insurance rates for a Cadillac CT6 are $1,400 a year including full coverage. Comprehensive costs on average $278 a year, collision costs $504, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $3,038. Teen drivers cost the most to insure at $5,314 a year or more.
Average premium for full coverage: $1,400
Policy rates by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CT6 trim levels.
Price Range Variability
For a driver around age 40, Cadillac CT6 insurance rates go from as low as $510 for liability-only coverage to a high of $3,038 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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 Charts and Tables
The chart below breaks down estimated Cadillac CT6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $806
- Drivers who choose higher $1,000 deductibles will pay around $1,222 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,400
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,746
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,038 or more
- Policy cost for full coverage for a teen driver may cost $5,314 a year
Insurance rates for a Cadillac CT6 also range considerably based on your risk profile, the model of your CT6, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age
Your home state makes a big difference in Cadillac CT6 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,000 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,162 | -$238 | -17.0% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $944 | -$456 | -32.6% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,120 | -$280 | -20.0% |
| Michigan | $2,432 | $1,032 | 73.7% |
| Minnesota | $1,172 | -$228 | -16.3% |
| Mississippi | $1,678 | $278 | 19.9% |
| Missouri | $1,244 | -$156 | -11.1% |
| Montana | $1,506 | $106 | 7.6% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,008 | -$392 | -28.0% |
| New Jersey | $1,564 | $164 | 11.7% |
| New Mexico | $1,240 | -$160 | -11.4% |
| New York | $1,474 | $74 | 5.3% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,438 | $38 | 2.7% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,180 | -$220 | -15.7% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $958 | -$442 | -31.6% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,082 | -$318 | -22.7% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $968 | -$432 | -30.9% |
| Wyoming | $1,248 | -$152 | -10.9% |
Choosing high deductibles could save up to $530 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac CT6 | $324 | $648 | $452 | $1,582 |
| 2019 Cadillac CT6 | $310 | $610 | $456 | $1,534 |
| 2018 Cadillac CT6 | $298 | $548 | $460 | $1,464 |
| 2017 Cadillac CT6 | $278 | $504 | $460 | $1,400 |
| 2016 Cadillac CT6 | $268 | $472 | $464 | $1,362 |
Rates are averaged for all Cadillac CT6 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 More Affordable Cadillac CT6 Insurance
Finding cheaper rates on Cadillac CT6 insurance not only requires being a low-risk driver, but also maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to compare rates at every policy renewal by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a summary of the data covered above.
- Drivers who require more liability coverage will pay about $510 per year to go from a 30/60 limit to 250/500 limits
- You may be able to save as much as $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $525 each year
- Teen drivers pay the highest rates, with premiums being up to $443 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,314 |
| 20 | $3,238 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,256 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,746 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,572 |
| 20 | $5,160 |
| 30 | $3,100 |
| 40 | $3,038 |
| 50 | $2,904 |
| 60 | $2,878 |
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 | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $62 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $594 |
Discounts are estimated and may not be available from every company or in every state.
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