Cadillac CTS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 $1,446 a year including full coverage. Comprehensive insurance costs on average $282 a year, collision costs $564, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $3,154 or more. 16-year-old drivers receive the highest rates at $5,474 a year or more.

Average premium for full coverage: $1,446

Rate estimates by individual coverage type:

Comprehensive $282
Collision $564
Liability $442

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and CTS trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $496 for a discount liability-only rate to a high of $3,154 for a driver who has had serious violations or accidents.

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

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how location impacts car insurance rates.

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

These examples highlight why it is important to get quotes based on a specific location and risk profile, instead of 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $823
  • Choosing higher $1,000 deductibles can save around $1,254 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,446
  • Buying low $100 deductibles for comp and collision coverage will cost an extra $376 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $3,154 or more
  • The cost for full coverage for a teen driver may cost $5,474 each year

View Chart as Image

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

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac CTS insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,060 on average in Michigan, New York, and Louisiana.

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

Opting for high physical damage deductibles can save as much as $570 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates 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 $1,408 $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 the Best Cadillac CTS Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The list below is a brief recap of the ideas that were touched on above.

  • Teenagers pay higher rates, as much as $456 per month including comprehensive and collision insurance
  • Higher risk drivers who tend to receive serious violations may pay on average $1,710 more each year for car insurance
  • Increasing deductibles can save around $575 each year
  • You may be able to save as much as $180 per year simply by quoting early and online

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles