Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CTS-V are $1,078 every 12 months with full coverage. Comprehensive insurance costs approximately $220 each year, collision insurance costs $320, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,320 or more. 16-year-old drivers pay the highest rates at up to $4,122 a year.
Average premium for full coverage: $1,078
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and CTS-V models.
Price Range from Low to High
For a 40-year-old driver, Cadillac CTS-V insurance prices range from the cheapest price of $446 for the bare minimum liability coverage to a high rate of $2,320 for a policy for a high-risk driver.
Geographic Price Range
Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.
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 details average Cadillac CTS-V insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $637
- Using higher $1,000 deductibles will save $122 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,078
- Buying low deductibles for physical damage coverage costs an extra $236 annually
- High-risk insureds with multiple tickets or accidents could pay around $2,320
- The price to insure a 16-year-old driver can cost $4,122 or more
Auto insurance prices for a Cadillac CTS-V are also quite variable based on deductibles and policy limits, your driving record, and the model of your CTS-V.
Opting for high physical damage deductibles could cut prices by as much as $360 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,800 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 44% to 134% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac CTS-V insurance prices. A driver around age 40 might see prices as low as $780 a year in states like Utah, Ohio, and New Hampshire, or at least $1,460 on average in New York, Michigan, and Florida.
| 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% |
| 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 Shop for More Affordable Cadillac CTS-V Insurance
Getting lower rates on insurance for a Cadillac CTS-V requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a summary of the coverage data illustrated above.
- You may be able to save around $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $350 each year
- 16 to 18-year-old drivers have the highest car insurance prices, costing up to $344 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,240 more per year than a driver with a clean driving record
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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