Cadillac CTS Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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.

Average insurance rates for a Cadillac CTS are $1,472 a year for full coverage. Comprehensive costs on average $298 a year, collision costs $586, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,198. Teen drivers receive the highest rates at $5,514 a year or more.

Average premium for full coverage: $1,472

Rate estimates by individual coverage type:

Comprehensive $298
Collision $586
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and CTS trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $3,198 for a high risk driver.

Liability Only $486
Full Coverage $1,472
High Risk $3,198

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,104
Small Cities $1,546
Large Cities $1,987

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Cadillac CTS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $838
  • Drivers who choose higher $1,000 deductibles will pay around $1,270 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,472
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,862
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,198 or more
  • The cost for full coverage for a teen driver may cost $5,514 a year

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing full coverage Cadillac CTS insurance rates range from $838 to $5,514

for a Cadillac CTS can also vary considerably based on your driver profile, the trim level of your CTS, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,500 a year. View Rates by Age

Where you live makes a big difference in Cadillac CTS insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or as much as $2,100 on average in Michigan, Louisiana, and New York.

Cadillac CTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,328 -$144 -9.8%
Alaska $1,128 -$344 -23.4%
Arizona $1,220 -$252 -17.1%
Arkansas $1,472 -$0 0.0%
California $1,676 $204 13.9%
Colorado $1,404 -$68 -4.6%
Connecticut $1,514 $42 2.9%
Delaware $1,664 $192 13.0%
Florida $1,840 $368 25.0%
Georgia $1,356 -$116 -7.9%
Hawaii $1,056 -$416 -28.3%
Idaho $994 -$478 -32.5%
Illinois $1,096 -$376 -25.5%
Indiana $1,108 -$364 -24.7%
Iowa $992 -$480 -32.6%
Kansas $1,398 -$74 -5.0%
Kentucky $2,006 $534 36.3%
Louisiana $2,176 $704 47.8%
Maine $906 -$566 -38.5%
Maryland $1,212 -$260 -17.7%
Massachusetts $1,178 -$294 -20.0%
Michigan $2,554 $1,082 73.5%
Minnesota $1,232 -$240 -16.3%
Mississippi $1,760 $288 19.6%
Missouri $1,306 -$166 -11.3%
Montana $1,580 $108 7.3%
Nebraska $1,158 -$314 -21.3%
Nevada $1,762 $290 19.7%
New Hampshire $1,060 -$412 -28.0%
New Jersey $1,644 $172 11.7%
New Mexico $1,302 -$170 -11.5%
New York $1,550 $78 5.3%
North Carolina $848 -$624 -42.4%
North Dakota $1,204 -$268 -18.2%
Ohio $1,016 -$456 -31.0%
Oklahoma $1,510 $38 2.6%
Oregon $1,346 -$126 -8.6%
Pennsylvania $1,404 -$68 -4.6%
Rhode Island $1,960 $488 33.2%
South Carolina $1,332 -$140 -9.5%
South Dakota $1,242 -$230 -15.6%
Tennessee $1,288 -$184 -12.5%
Texas $1,772 $300 20.4%
Utah $1,088 -$384 -26.1%
Vermont $1,008 -$464 -31.5%
Virginia $880 -$592 -40.2%
Washington $1,138 -$334 -22.7%
West Virginia $1,346 -$126 -8.6%
Wisconsin $1,018 -$454 -30.8%
Wyoming $1,308 -$164 -11.1%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

Choosing high deductibles could save up to $600 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,432 $119
Cadillac CTS $1,432 $119
Cadillac CTS Luxury AWD $1,472 $123
Cadillac CTS Performance AWD $1,472 $123
Cadillac CTS Luxury $1,472 $123
Cadillac CTS Performance $1,472 $123
Cadillac CTS Sport $1,472 $123
Cadillac CTS Premium $1,510 $126
Cadillac CTS Premium AWD $1,548 $129

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 $298 $586 $430 $1,472
2015 Cadillac CTS $260 $494 $456 $1,368
2011 Cadillac CTS $220 $356 $474 $1,208
2009 Cadillac CTS $198 $300 $478 $1,134
2008 Cadillac CTS $184 $274 $474 $1,090
2007 Cadillac CTS $174 $250 $474 $1,056
2006 Cadillac CTS $168 $224 $468 $1,018
2005 Cadillac CTS $166 $218 $460 $1,002
2004 Cadillac CTS $162 $208 $452 $980
2003 Cadillac CTS $148 $198 $446 $950

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 Cheaper Cadillac CTS Insurance

Saving money on Cadillac CTS insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $600 each year
  • Drivers can save as much as $180 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $460 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,730 more each year for insurance

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.

References

  1. https://www.iihs.org/ratings/vehicle/cadillac/cts-4-door-sedan/2019

Rates by Driver Age

Cadillac CTS Insurance Rates by Driver Age
Driver Age Premium
16 $5,514
20 $3,418
30 $1,534
40 $1,472
50 $1,344
60 $1,318

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,862
$250 $1,680
$500 $1,472
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,472
50/100 $1,634
100/300 $1,742
250/500 $2,021
100 CSL $1,677
300 CSL $1,914
500 CSL $2,086

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,878
20 $5,446
30 $3,268
40 $3,198
50 $3,056
60 $3,030

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $96
Paid in Full/EFT $69
Advance Quote $74
Online Quote $105
Total Discounts $634
Rate after discounts $838

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

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