Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac CTS-V are $1,126 annually for full coverage. Comprehensive insurance costs approximately $234, collision costs $354, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,424 or more. 16-year-old drivers pay the highest rates at $4,270 a year or more.
Average premium for full coverage: $1,126
Price estimates by individual coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different CTS-V trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac CTS-V insurance prices go from as cheap as $446 for the bare minimum liability coverage to a much higher rate of $2,424 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural locations have fewer accident claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using 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 shows estimated Cadillac CTS-V insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $662
- Drivers who choose higher $1,000 deductibles will pay $134 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,126
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $256 each year
- High-risk insureds with multiple tickets or accidents could pay around $2,424 or more
- The price with full coverage for a teenage driver with full coverage can cost $4,270 a year
Auto insurance prices for a Cadillac CTS-V are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance can cost around 44% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $390 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Cadillac CTS-V insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Iowa, Maine, and Idaho, or at least $1,610 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,016 | -$110 | -9.8% |
| Alaska | $862 | -$264 | -23.4% |
| Arizona | $932 | -$194 | -17.2% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,282 | $156 | 13.9% |
| Colorado | $1,074 | -$52 | -4.6% |
| Connecticut | $1,154 | $28 | 2.5% |
| Delaware | $1,272 | $146 | 13.0% |
| Florida | $1,406 | $280 | 24.9% |
| Georgia | $1,040 | -$86 | -7.6% |
| Hawaii | $808 | -$318 | -28.2% |
| Idaho | $762 | -$364 | -32.3% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $848 | -$278 | -24.7% |
| Iowa | $758 | -$368 | -32.7% |
| Kansas | $1,068 | -$58 | -5.2% |
| Kentucky | $1,534 | $408 | 36.2% |
| Louisiana | $1,666 | $540 | 48.0% |
| Maine | $694 | -$432 | -38.4% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $898 | -$228 | -20.2% |
| Michigan | $1,954 | $828 | 73.5% |
| Minnesota | $942 | -$184 | -16.3% |
| Mississippi | $1,346 | $220 | 19.5% |
| Missouri | $998 | -$128 | -11.4% |
| Montana | $1,208 | $82 | 7.3% |
| Nebraska | $884 | -$242 | -21.5% |
| Nevada | $1,350 | $224 | 19.9% |
| New Hampshire | $810 | -$316 | -28.1% |
| New Jersey | $1,258 | $132 | 11.7% |
| New Mexico | $994 | -$132 | -11.7% |
| New York | $1,184 | $58 | 5.2% |
| North Carolina | $648 | -$478 | -42.5% |
| North Dakota | $922 | -$204 | -18.1% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,152 | $26 | 2.3% |
| Oregon | $1,030 | -$96 | -8.5% |
| Pennsylvania | $1,072 | -$54 | -4.8% |
| Rhode Island | $1,498 | $372 | 33.0% |
| South Carolina | $1,020 | -$106 | -9.4% |
| South Dakota | $950 | -$176 | -15.6% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $834 | -$292 | -25.9% |
| Vermont | $768 | -$358 | -31.8% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $868 | -$258 | -22.9% |
| West Virginia | $1,032 | -$94 | -8.3% |
| Wisconsin | $776 | -$350 | -31.1% |
| Wyoming | $1,000 | -$126 | -11.2% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $344 | $674 | $384 | $1,538 |
| 2017 Cadillac CTS-V | $318 | $568 | $390 | $1,412 |
| 2016 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2014 Cadillac CTS-V | $280 | $458 | $402 | $1,276 |
| 2013 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2012 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2011 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2010 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
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 the Right Cadillac CTS-V Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the data raised in the charts and tables above.
- Consumers who purchase increased liability limits will pay around $440 each year to go from a low limit to higher 250/500 limits
- Drivers can save around $130 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $400 each year
- Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $356 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,270 |
| 20 | $2,566 |
| 30 | $1,164 |
| 40 | $1,126 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,264 |
| $500 | $1,126 |
| $1,000 | $992 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,206 |
| 100/300 | $1,307 |
| 250/500 | $1,568 |
| 100 CSL | $1,247 |
| 300 CSL | $1,468 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,074 |
| 20 | $4,088 |
| 30 | $2,466 |
| 40 | $2,424 |
| 50 | $2,310 |
| 60 | $2,290 |
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 | $59 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $47 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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