Cadillac CTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2022

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How much is insurance on a Cadillac CTS compared to other vehicles? Cadillac CTS insurance rates average $1,510 a year, or $125 a month. While the Cadillac average price of insurance may vary slightly by model year, such as 2005 versus 2006 CTS insurance costs, the rates should be around $1,510.

To start saving on the insurance cost of a Cadillac CTS in your area, enter your ZIP code in our free rate comparison tool above.

U.S. average insurance rates for a Cadillac CTS are $1,446 a year for full coverage insurance. Comprehensive costs an estimated $282 each year, collision costs $564, and liability coverage is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $3,154. Teenage drivers pay the highest rates at $5,474 a year or more.

Average premium for full coverage: $1,446

Price estimates broken down by individual coverage:

Comprehensive $282
Collision $564
Liability $442

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and CTS models.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac CTS insurance prices go from the low end price of $496 for liability-only coverage to a high rate of $3,154 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,446
High Risk $3,154

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

The ranges above illustrate why all drivers should compare rates quotes for a targeted area, rather than 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.

Additional Charts and Tables

The chart below illustrates estimated Cadillac CTS insurance rates for other coverage scenarios.

  • The best discount rate is $823
  • Raising to $1,000 deductibles will save approximately $192 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,446
  • Using low deductibles bumps up the cost to $1,822
  • Unlucky drivers who are prone to accidents and violations could pay up to $3,154 or more
  • The price that insures a teenage driver can cost as much as $5,474

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing full coverage Cadillac CTS insurance rates range from $823 to $5,474

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

If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,400 a year. View Rates by Age

The state you live in also has a big influence on Cadillac CTS insurance rates. A middle-age driver might find prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

Cadillac CTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$138 -9.5%
Alaska $1,110 -$336 -23.2%
Arizona $1,202 -$244 -16.9%
Arkansas $1,446 -$0 0.0%
California $1,648 $202 14.0%
Colorado $1,382 -$64 -4.4%
Connecticut $1,488 $42 2.9%
Delaware $1,636 $190 13.1%
Florida $1,810 $364 25.2%
Georgia $1,336 -$110 -7.6%
Hawaii $1,040 -$406 -28.1%
Idaho $978 -$468 -32.4%
Illinois $1,078 -$368 -25.4%
Indiana $1,090 -$356 -24.6%
Iowa $976 -$470 -32.5%
Kansas $1,376 -$70 -4.8%
Kentucky $1,974 $528 36.5%
Louisiana $2,142 $696 48.1%
Maine $892 -$554 -38.3%
Maryland $1,194 -$252 -17.4%
Massachusetts $1,158 -$288 -19.9%
Michigan $2,512 $1,066 73.7%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,732 $286 19.8%
Missouri $1,284 -$162 -11.2%
Montana $1,554 $108 7.5%
Nebraska $1,140 -$306 -21.2%
Nevada $1,736 $290 20.1%
New Hampshire $1,040 -$406 -28.1%
New Jersey $1,616 $170 11.8%
New Mexico $1,282 -$164 -11.3%
New York $1,524 $78 5.4%
North Carolina $834 -$612 -42.3%
North Dakota $1,184 -$262 -18.1%
Ohio $1,000 -$446 -30.8%
Oklahoma $1,486 $40 2.8%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,932 $486 33.6%
South Carolina $1,310 -$136 -9.4%
South Dakota $1,222 -$224 -15.5%
Tennessee $1,268 -$178 -12.3%
Texas $1,742 $296 20.5%
Utah $1,072 -$374 -25.9%
Vermont $990 -$456 -31.5%
Virginia $866 -$580 -40.1%
Washington $1,120 -$326 -22.5%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,000 -$446 -30.8%
Wyoming $1,288 -$158 -10.9%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $570 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Cadillac CTS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac CTS AWD $1,408 $117
Cadillac CTS $1,408 $117
Cadillac CTS Luxury AWD $1,446 $121
Cadillac CTS Performance AWD $1,446 $121
Cadillac CTS Luxury $1,446 $121
Cadillac CTS Performance $1,446 $121
Cadillac CTS Sport $1,446 $121
Cadillac CTS Premium $1,484 $124
Cadillac CTS Premium AWD $1,522 $127

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Cadillac CTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Cadillac CTS $282 $564 $442 $1,446
2015 Cadillac CTS $248 $442 $460 $1,308
2011 Cadillac CTS $202 $330 $474 $1,164
2009 Cadillac CTS $184 $274 $474 $1,090
2008 Cadillac CTS $174 $250 $474 $1,056
2007 Cadillac CTS $168 $224 $468 $1,018
2006 Cadillac CTS $166 $218 $460 $1,002
2005 Cadillac CTS $162 $208 $452 $980
2004 Cadillac CTS $148 $198 $446 $950
2003 Cadillac CTS $144 $188 $442 $932

Rates are averaged for all Cadillac CTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Cadillac CTS Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The points below are a summary of the data touched on in the above illustrations.

  • Consumers who want increased liability limits will pay an extra $490 annually to raise from a low limit to the 250/500 level
  • It is possible to save approximately $180 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $575 each year
  • Drivers under the age of 20 are the costliest to insure, as much as $456 a month if the policy includes full coverage

The best way to save on Cadillac CTS costs is to shop around for quotes. It can help you find the best rates for your model year, from how much does a 2010 Cadillac CTS cost to 2014 Cadillac insurance rates.

Enter your ZIP code in our free rate comparison tool below to find the best Cadillac CTS insurance costs.

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What are the safety ratings of the Cadillac CTS?

Do the Cadillac CTS have a lot of problems? Is the Cadillac CTS a reliable car? These are the questions insurers will ask when they look at Cadillac CTS safety ratings and features. The Cadillac CTS does have some great standard safety features, such as teen driver settings (set speed and audio), rear parking sensors, and a rearview camera.

Take a look below at the Insurance Institute for Highway Safety’s (IIHS) crash test ratings of the Cadillac CTS.

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The video below demonstrates one of the IIHS’s crash tests.

Cadillac CTS Compared Against Other Vehicles in the Same Class

The Cadillac CTS is a large luxury car, which usually have higher liability rates. However, the IIHS found that the Cadillac CTS’s liability losses are better than average, so rates should be lower than other large luxury cars’ rates.

View the list of other large luxury cars below to see how their rates compare to the Cadillac CTS.

Ready to find the best insurance price for a Cadillac CTS? Enter your ZIP code in our free tool to see how much does a Cadillac CTS cost to insure in your area.



Rates by Driver Age

Cadillac CTS Insurance Rates by Driver Age
Driver Age Premium
16 $5,474
20 $3,368
30 $1,508
40 $1,446
50 $1,324
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,822
$250 $1,646
$500 $1,446
$1,000 $1,254

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,610
100/300 $1,721
250/500 $2,008
100 CSL $1,655
300 CSL $1,898
500 CSL $2,075

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,812
20 $5,372
30 $3,218
40 $3,154
50 $3,014
60 $2,988

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 $206

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $78
Homeowner $22
5-yr Accident Free $108
5-yr Claim Free $95
Paid in Full/EFT $67
Advance Quote $73
Online Quote $103
Total Discounts $623
Rate after discounts $823

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

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