Cadillac CT6 Insurance Rates

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UPDATED: Apr 24, 2024

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Average insurance rates for a Cadillac CT6 are $1,400 a year for full coverage insurance. Comprehensive costs around $278 a year, collision costs $504, and liability coverage is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $3,038. Teenage drivers receive the highest rates at $5,314 a year or more.

Average premium for full coverage: $1,400

Rate estimates for individual coverage type:

Comprehensive $278
Collision $504
Liability $460

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and CT6 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $510 for liability-only coverage to a high of $3,038 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,400
High Risk $3,038

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,050
Small Cities $1,470
Large Cities $1,890

These examples illustrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than using 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.

Additional Charts and Tables

The chart below illustrates estimated Cadillac CT6 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $806
  • Raising to $1,000 deductibles will save about $1,222 each year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,400
  • Using low $100 deductibles will increase the cost to $1,746
  • Unlucky drivers who are prone to accidents and violations could pay at least $3,038 or more
  • The cost for full coverage for a teenage driver can be $5,314

View Chart as Image

Cadillac CT6 insurance cost comparison chart
Column chart showing full coverage Cadillac CT6 insurance rates range from $806 to $5,314

Insurance rates for a Cadillac CT6 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Where you live also has a big influence on Cadillac CT6 insurance rates. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, New York, and Florida.

Cadillac CT6 Insurance Rates by State
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%

View Chart as Image

Cadillac CT6 insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $530 a year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

Cadillac CT6 Insurance Rates by Model Year
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 Low Cost Cadillac CT6 Insurance

Saving money on auto insurance consists of being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a review of the ideas that were touched on in this article.

  • Teen drivers pay higher rates, costing up to $443 per month for full coverage
  • Drivers who have several accidents or serious violations may pay on average $1,640 more every year to insure their CT6
  • Increasing deductibles can save around $525 each year
  • It is possible to save up to $170 per year simply by quoting early and online

Rates by Driver Age

Cadillac CT6 Insurance 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

Cadillac CT6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,746
$250 $1,584
$500 $1,400
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT6 Insurance Rates with Different Liability Limits
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

Cadillac CT6 Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $806

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

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