Cadillac CTS-V Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Cadillac CTS-V are $1,126 annually with full coverage. Comprehensive costs around $234 each year, collision insurance costs $354, and liability costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $2,424. Teens pay the most at up to $4,270 a year.

Average premium for full coverage: $1,126

Premium estimates for type of coverage:

Comprehensive $234
Collision $354
Liability $402

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and CTS-V models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Cadillac CTS-V range from as cheap as $446 for just liability insurance to a high rate of $2,424 for high-risk insurance.

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

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance rates.

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

These rate differences demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of 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.

More Rate Details

The chart below details average Cadillac CTS-V insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $662
  • Drivers who choose higher $1,000 deductibles will pay about $134 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,126
  • Selecting low deductibles for comprehensive and collision insurance will cost $1,382
  • Higher-risk drivers with serious driving violations could pay at least $2,424
  • An auto insurance policy with full coverage for a teen driver can be $4,270 a year

View Chart as Image

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

Auto insurance prices for a Cadillac CTS-V also have a wide range based on the model of your CTS-V, your driving record, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,300 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $390 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Cadillac CTS-V insurance prices. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.

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
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 Low Cost Cadillac CTS-V Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.

Below is a review of the material that was touched on above.

  • Policyholders who may need higher levels of liability will pay approximately $440 every year to go from 30/60 bodily injury limits to higher 250/500 limits
  • Teenage drivers are expensive to insure, possibly costing $356 per month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,300 more every year for auto insurance
  • Increasing policy deductibles could save up to $400 each year

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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