Cadillac CTS Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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 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.
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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