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 with full coverage. Comprehensive costs an estimated $234, collision costs $354, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $2,424. Teenage drivers pay the highest rates at $4,270 a year or more.

Average premium for full coverage: $1,126

Price estimates broken down by individual coverage:

Comprehensive $234
Collision $354
Liability $402

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different CTS-V trim levels.

Price Range from Low to High

For a driver in their 40's, Cadillac CTS-V insurance prices go from as cheap as $446 for basic liability insurance to a much higher rate of $2,424 for a driver who requires high-risk insurance.

Liability Only $446
Full Coverage $1,126
High Risk $2,424

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using 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.

Rate Comparisons

The chart below details estimated Cadillac CTS-V insurance rates for other coverage scenarios.

  • The best discount rate is $662
  • Using higher $1,000 deductibles will save approximately $134 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,126
  • Using more expensive low deductibles for physical damage coverage will cost $1,382
  • Drivers who are prone to accidents and violations could pay up to $2,424 or more
  • The price with full coverage for a teen driver with full coverage can cost as much as $4,270 or more

View Chart as Image

Cadillac CTS-V insurance cost comparison chart
Column chart showing full coverage Cadillac CTS-V insurance rates range from $662 to $4,270

Car insurance prices for a Cadillac CTS-V are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,300 to $1,900 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $390 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Cadillac CTS-V insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,520 on average in New York, Michigan, and Florida.

Cadillac CTS-V Insurance Rates by State
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%

View Chart as Image

Cadillac CTS-V insurance rates by U.S. city

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

Cadillac CTS-V Insurance Rates by Model Year
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 Affordable Cadillac CTS-V Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the concepts that were covered in the charts and tables above.

  • Higher risk drivers with DUI or reckless driving convictions pay on average $1,300 more annually for auto insurance
  • Teenage drivers have the highest car insurance prices, costing up to $356 a month if comprehensive and collision insurance is included
  • You may be able to save approximately $130 per year simply by shopping early and online
  • Increasing physical damage deductibles could save up to $400 each year
  • You may be able to save approximately $130 per year simply by shopping early and online

Rates by Driver Age

Cadillac CTS-V Insurance 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

Cadillac CTS-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,264
$500 $1,126
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS-V Insurance Rates with Different Liability Limits
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

Cadillac CTS-V Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $662

Discounts are estimated and may not be available from every company or in every state.

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