Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac CTS-V are $1,078 annually for full coverage insurance. Comprehensive costs approximately $220 each year, collision costs $320, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,320. Teens receive the highest rates at $4,122 a year or more.
Average premium for full coverage: $1,078
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and CTS-V models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $446 for just liability insurance to a high rate of $2,320 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.
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.
More Rate Details
The chart below illustrates estimated Cadillac CTS-V insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $637
- Drivers who choose higher $1,000 deductibles will pay $122 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,078
- Selecting low deductibles for comprehensive and collision insurance will cost $1,314
- High-risk insureds with serious driving violations could pay around $2,320 or more
- The cost with full coverage for a teenage driver can cost $4,122 a year
Auto insurance rates for a Cadillac CTS-V can also vary considerably based on the trim level of your CTS-V, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Cadillac CTS-V insurance rates. A 40-year-old driver could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,460 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $976 | -$102 | -9.5% |
| Alaska | $828 | -$250 | -23.2% |
| Arizona | $896 | -$182 | -16.9% |
| Arkansas | $1,078 | -$0 | 0.0% |
| California | $1,230 | $152 | 14.1% |
| Colorado | $1,028 | -$50 | -4.6% |
| Connecticut | $1,108 | $30 | 2.8% |
| Delaware | $1,218 | $140 | 13.0% |
| Florida | $1,346 | $268 | 24.9% |
| Georgia | $998 | -$80 | -7.4% |
| Hawaii | $774 | -$304 | -28.2% |
| Idaho | $730 | -$348 | -32.3% |
| Illinois | $802 | -$276 | -25.6% |
| Indiana | $814 | -$264 | -24.5% |
| Iowa | $728 | -$350 | -32.5% |
| Kansas | $1,024 | -$54 | -5.0% |
| Kentucky | $1,470 | $392 | 36.4% |
| Louisiana | $1,596 | $518 | 48.1% |
| Maine | $666 | -$412 | -38.2% |
| Maryland | $890 | -$188 | -17.4% |
| Massachusetts | $860 | -$218 | -20.2% |
| Michigan | $1,872 | $794 | 73.7% |
| Minnesota | $902 | -$176 | -16.3% |
| Mississippi | $1,292 | $214 | 19.9% |
| Missouri | $956 | -$122 | -11.3% |
| Montana | $1,158 | $80 | 7.4% |
| Nebraska | $848 | -$230 | -21.3% |
| Nevada | $1,292 | $214 | 19.9% |
| New Hampshire | $778 | -$300 | -27.8% |
| New Jersey | $1,206 | $128 | 11.9% |
| New Mexico | $954 | -$124 | -11.5% |
| New York | $1,136 | $58 | 5.4% |
| North Carolina | $622 | -$456 | -42.3% |
| North Dakota | $884 | -$194 | -18.0% |
| Ohio | $744 | -$334 | -31.0% |
| Oklahoma | $1,104 | $26 | 2.4% |
| Oregon | $988 | -$90 | -8.3% |
| Pennsylvania | $1,028 | -$50 | -4.6% |
| Rhode Island | $1,438 | $360 | 33.4% |
| South Carolina | $978 | -$100 | -9.3% |
| South Dakota | $910 | -$168 | -15.6% |
| Tennessee | $944 | -$134 | -12.4% |
| Texas | $1,300 | $222 | 20.6% |
| Utah | $800 | -$278 | -25.8% |
| Vermont | $734 | -$344 | -31.9% |
| Virginia | $646 | -$432 | -40.1% |
| Washington | $832 | -$246 | -22.8% |
| West Virginia | $988 | -$90 | -8.3% |
| Wisconsin | $744 | -$334 | -31.0% |
| Wyoming | $960 | -$118 | -10.9% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $332 | $634 | $388 | $1,490 |
| 2017 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2016 Cadillac CTS-V | $286 | $490 | $394 | $1,306 |
| 2014 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2013 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2012 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2011 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
| 2010 Cadillac CTS-V | $214 | $288 | $398 | $1,036 |
Rates are averaged for all Cadillac CTS-V 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 Low Cost Cadillac CTS-V Insurance
Saving money on auto insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a review of the data that was covered above.
- It is possible to save around $130 per year simply by quoting online in advance
- Consumers who purchase increased levels of liability coverage will pay approximately $440 annually to go from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger have the highest car insurance rates, costing up to $344 per month if full coverage is included
- Drivers who have several accidents or serious violations could be forced to pay on average $1,240 more per year to buy Cadillac CTS-V insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,122 |
| 20 | $2,458 |
| 30 | $1,112 |
| 40 | $1,078 |
| 50 | $988 |
| 60 | $968 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,314 |
| $250 | $1,208 |
| $500 | $1,078 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,078 |
| 50/100 | $1,158 |
| 100/300 | $1,259 |
| 250/500 | $1,520 |
| 100 CSL | $1,199 |
| 300 CSL | $1,420 |
| 500 CSL | $1,581 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,852 |
| 20 | $3,914 |
| 30 | $2,358 |
| 40 | $2,320 |
| 50 | $2,212 |
| 60 | $2,192 |
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 | $57 |
| Multi-vehicle | $57 |
| Homeowner | $17 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $44 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $441 |
Discounts are estimated and may not be available from every company or in every state.
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