Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Cadillac CTS-V are $1,078 every 12 months for full coverage. Comprehensive costs on average $220 a year, collision insurance costs $320, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers costs around $2,320. 16-year-old drivers receive the highest rates at up to $4,122 a year.
Average premium for full coverage: $1,078
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and CTS-V trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $446 for minimum levels of liability insurance to a high of $2,320 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying 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 Details
The chart below shows average Cadillac CTS-V insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $637
- Raising to $1,000 deductibles will save around $956 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,078
- Buying low $100 deductibles increases the price to $1,314
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,320
- The cost to insure a teen driver may cost $4,122
Insurance rates for a Cadillac CTS-V can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your CTS-V.
Opting for high physical damage deductibles can reduce rates by up to $360 each year, 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 $362 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,100 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 $1,300 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Cadillac CTS-V insurance rates. A middle-age driver might find rates as low as $710 a year in states like Idaho, Maine, and Iowa, or at least $1,540 on average in Michigan, Louisiana, and New York.
| 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 Cheap Cadillac CTS-V Insurance
Saving money on Cadillac CTS-V insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a brief summary of the information covered above.
- Drivers can save as much as $130 per year just by quoting early and online
- Drivers age 16 to 20 pay higher rates, costing as high as $344 per month if full coverage is included
- Increasing deductibles could save as much as $350 each year
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,240 more each year than a safer driver
- Drivers who require an increased level of liability coverage will pay around $440 each year to raise from a minimum limit to a 250/500 level
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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