Cadillac CTS-V Insurance Rates
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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 including full coverage. Comprehensive insurance costs approximately $220, collision costs $320, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,320 or more. 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:
Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different CTS-V trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $446 for just liability insurance to a much higher rate of $2,320 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 breaks down estimated Cadillac CTS-V insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $637
- Raising to $1,000 deductibles will save $122 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,078
- Selecting more expensive low deductibles costs an additional $236 annually
- Drivers with serious driving violations could pay around $2,320 or more
- The cost with full coverage for a 16-year-old driver with full coverage can cost $4,122
Car insurance rates for a Cadillac CTS-V can also vary considerably based on the trim level of your CTS-V, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged 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 likely paying anywhere from $1,300 to $1,800 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Cadillac CTS-V insurance prices. A middle-age driver might find rates as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,540 on average in Louisiana, 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 best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes 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 Cheaper Cadillac CTS-V Insurance
Saving money on insurance for a Cadillac CTS-V consists of being a low-risk driver, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The items below are a condensed summary of the information covered in the charts and tables above.
- You may be able to save around $130 per year simply by shopping early and online
- Teen drivers pay the highest auto insurance rates, as much as $344 per month if comprehensive and collision insurance is included
- Increasing deductibles could save up to $350 each year
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,240 more per year to insure their CTS-V
- Insureds who purchase more liability coverage will pay approximately $440 per year to raise from a minimum limit to higher 250/500 limits
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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