Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac CTS-V are $1,078 a year for full coverage. Comprehensive costs an estimated $220 each year, collision costs $320, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,320. Teens cost the most to insure at $4,122 a year or more.
Average premium for full coverage: $1,078
Policy rates broken down by type of insurance:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and CTS-V models.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac CTS-V insurance rates go from the low end price of $446 for the bare minimum liability coverage to a high rate of $2,320 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above show why all drivers should get quotes for a targeted area, instead of 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.
Additional Rate Information
The chart below shows estimated Cadillac CTS-V insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $637
- Choosing higher $1,000 deductibles can save approximately $122 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,078
- Selecting low deductibles for comp and collision coverage bumps up the cost to $1,314
- Unlucky drivers with serious driving violations could pay up to $2,320 or more
- Policy cost that insures a teen driver can cost as much as $4,122 each year
Car insurance rates for a Cadillac CTS-V also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 134% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac CTS-V insurance prices. A good driver about age 40 could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,540 on average in New York, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $360 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied.
| 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 Find More Affordable Cadillac CTS-V Insurance
Finding cheaper rates on car insurance takes being a good driver, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare rates at every policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a summary of the data raised in the charts and tables above.
- Policyholders who want an increased level of liability coverage will pay approximately $440 each year to raise limits from a 30/60 limit to the 250/500 level
- Drivers can save approximately $130 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $350 each year
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $344 each month if full coverage is purchased
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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