Cadillac CT6 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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Average insurance prices for a Cadillac CT6 are $1,400 every 12 months for full coverage. Comprehensive insurance costs on average $278 a year, collision costs $504, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $3,038 or more. Teenage drivers receive the highest rates at $5,314 a year or more.
Average premium for full coverage: $1,400
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and CT6 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $510 for a discount liability-only rate to a high of $3,038 for high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities.
The diagram below illustrates how location helps determine car insurance rates.
These examples show why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows estimated Cadillac CT6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $806
- Using higher $1,000 deductibles will save around $1,222 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,400
- Using low $100 deductibles for physical damage coverage costs an extra $346 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,038 or more
- The cost to insure a 16-year-old driver may cost $5,314 or more
Car insurance rates for a Cadillac CT6 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your CT6.
Using high physical damage deductibles could cut rates by as much as $530 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Cadillac CT6 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,000 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 Shop for More Affordable Cadillac CT6 Insurance
Saving money on insurance for a Cadillac CT6 requires avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a summary of the material that was covered in the charts and tables above.
- Insureds who require higher liability limits will pay an extra $510 each year to increase from a minimum limit to a 250/500 level
- Teenagers are expensive to insure, costing as high as $443 per month if the policy includes full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,640 more each year for car insurance
- Increasing deductibles could save as much as $525 each year
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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