Cadillac CTS-V Insurance Rates
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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 around $220 each year, collision costs $320, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,320. Teenage drivers receive the highest rates at $4,122 a year or more.
Average premium for full coverage: $1,078
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and CTS-V models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $446 for minimum levels of liability insurance to a high rate of $2,320 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how geographic area affects auto insurance rates.
These examples show why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on average rates.
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 estimated Cadillac CTS-V insurance rates for additional coverage choices and driver risks.
- The best discount rate is $637
- Choosing higher $1,000 deductibles can save about $122 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,078
- Using low deductibles for comp and collision coverage increases the price to $1,314
- High-risk insureds who are prone to accidents and violations could pay at least $2,320 or more
- The cost to insure a teen driver can be $4,122 each year
Car insurance rates for a Cadillac CTS-V can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can save as much as $360 each year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $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 least $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Cadillac CTS-V insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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% |
With so much variability in rates, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 takes having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a brief summary of the material that was presented in the illustrations above.
- Drivers who may need increased levels of liability coverage will pay an extra $440 each year to raise limits from a minimum limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing as high as $344 per month if the policy includes full coverage
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,240 more every year to buy Cadillac CTS-V insurance
- Increasing deductibles could save as much as $350 each year
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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