Cadillac CTS Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,446 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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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.
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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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,646 |
| $500 | $1,446 |
| $1,000 | $1,254 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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