Cadillac CTS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac CTS-V are $1,078 a year including full coverage. Comprehensive insurance costs around $220 a year, collision insurance costs $320, and liability coverage costs around $402. A policy with only liability insurance costs as low as $446 a year, and a high-risk policy costs $2,320 or more. Teens pay the most at up to $4,122 a year.
Average premium for full coverage: $1,078
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and CTS-V trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Cadillac CTS-V range from as low as $446 for minimum levels of liability insurance to a high of $2,320 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why it is important to compare prices for a specific zip code and risk profile, 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.
Additional Rate Details
The chart below breaks down average Cadillac CTS-V insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $637
- Using higher $1,000 deductibles will save about $956 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,078
- Selecting low $100 deductibles for physical damage coverage will cost an extra $236 each year
- Higher-risk drivers with serious driving violations could pay at least $2,320
- An auto insurance policy for full coverage for a teenage driver can be $4,122 or more
Car insurance prices for a Cadillac CTS-V also have a wide range based on your driving characteristics, the model of your CTS-V, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,100 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac CTS-V insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,540 on average in Michigan, New York, and Louisiana.
| 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 could cut prices by as much as $360 a year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than the average policy. View High Risk Driver Rates
| 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 the Cheapest Cadillac CTS-V Insurance
Finding better rates on auto insurance requires having a decent driving record, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Take the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a recap of the concepts that were covered in the above illustrations.
- Drivers that have major violations or accidents pay on average $1,240 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $344 per month if full coverage is included
- You may be able to save up to $130 per year just by quoting early and online
- Increasing policy deductibles can save around $350 each year
- You may be able to save up to $130 per year just by quoting early and online
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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