Cadillac CT6 Insurance Rates

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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:

Comprehensive $278
Collision $504
Liability $460

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.

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

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.

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

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

View Chart as Image

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

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.

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

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.

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 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

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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