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 23, 2024

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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 auto insurance rates for a Cadillac CTS are $1,404 annually for full coverage insurance. Comprehensive costs approximately $270, collision costs $524, and liability insurance is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing around $3,056. Teens receive the highest rates at $5,338 a year or more.

Average premium for full coverage: $1,404

Rate estimates by individual coverage type:

Comprehensive $270
Collision $524
Liability $452

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all CTS models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $504 for minimum levels of liability insurance to the much higher price of $3,056 for coverage for higher-risk drivers.

Liability Only $504
Full Coverage $1,404
High Risk $3,056

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

These examples illustrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 Rate Details

The chart below illustrates estimated Cadillac CTS insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $802
  • Choosing higher $1,000 deductibles can save $180 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,404
  • Selecting pricier low deductibles for comp and collision coverage will cost $1,756
  • High-risk insureds with serious driving violations could pay around $3,056 or more
  • The cost with full coverage for a teen driver for full coverage can cost $5,338 each year

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing full coverage Cadillac CTS insurance rates range from $802 to $5,338

Insurance rates for a Cadillac CTS can also vary considerably based on the trim level of your CTS, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 additional per year, depending on your age. Cadillac CTS insurance for high-risk drivers ranges anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Cadillac CTS insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

Cadillac CTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,270 -$134 -9.5%
Alaska $1,078 -$326 -23.2%
Arizona $1,164 -$240 -17.1%
Arkansas $1,404 -$0 0.0%
California $1,600 $196 14.0%
Colorado $1,340 -$64 -4.6%
Connecticut $1,444 $40 2.8%
Delaware $1,588 $184 13.1%
Florida $1,756 $352 25.1%
Georgia $1,296 -$108 -7.7%
Hawaii $1,008 -$396 -28.2%
Idaho $950 -$454 -32.3%
Illinois $1,046 -$358 -25.5%
Indiana $1,058 -$346 -24.6%
Iowa $946 -$458 -32.6%
Kansas $1,334 -$70 -5.0%
Kentucky $1,916 $512 36.5%
Louisiana $2,078 $674 48.0%
Maine $866 -$538 -38.3%
Maryland $1,158 -$246 -17.5%
Massachusetts $1,122 -$282 -20.1%
Michigan $2,440 $1,036 73.8%
Minnesota $1,174 -$230 -16.4%
Mississippi $1,682 $278 19.8%
Missouri $1,246 -$158 -11.3%
Montana $1,508 $104 7.4%
Nebraska $1,108 -$296 -21.1%
Nevada $1,684 $280 19.9%
New Hampshire $1,012 -$392 -27.9%
New Jersey $1,570 $166 11.8%
New Mexico $1,244 -$160 -11.4%
New York $1,478 $74 5.3%
North Carolina $810 -$594 -42.3%
North Dakota $1,150 -$254 -18.1%
Ohio $970 -$434 -30.9%
Oklahoma $1,442 $38 2.7%
Oregon $1,286 -$118 -8.4%
Pennsylvania $1,340 -$64 -4.6%
Rhode Island $1,872 $468 33.3%
South Carolina $1,272 -$132 -9.4%
South Dakota $1,184 -$220 -15.7%
Tennessee $1,228 -$176 -12.5%
Texas $1,694 $290 20.7%
Utah $1,040 -$364 -25.9%
Vermont $960 -$444 -31.6%
Virginia $840 -$564 -40.2%
Washington $1,084 -$320 -22.8%
West Virginia $1,286 -$118 -8.4%
Wisconsin $972 -$432 -30.8%
Wyoming $1,250 -$154 -11.0%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates can be significantly different between companies.

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 $1,370 $114
Cadillac CTS $1,370 $114
Cadillac CTS Luxury AWD $1,404 $117
Cadillac CTS Performance AWD $1,404 $117
Cadillac CTS Luxury $1,404 $117
Cadillac CTS Performance $1,404 $117
Cadillac CTS Sport $1,404 $117
Cadillac CTS Premium $1,440 $120
Cadillac CTS Premium AWD $1,476 $123

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
2019 Cadillac CTS $282 $564 $442 $1,446
2018 Cadillac CTS $270 $524 $452 $1,404
2017 Cadillac CTS $260 $494 $456 $1,368
2016 Cadillac CTS $248 $442 $460 $1,308
2015 Cadillac CTS $232 $408 $460 $1,258
2014 Cadillac CTS $224 $382 $464 $1,228
2013 Cadillac CTS $220 $356 $474 $1,208
2012 Cadillac CTS $202 $330 $474 $1,164
2011 Cadillac CTS $198 $300 $478 $1,134
2010 Cadillac CTS $184 $274 $474 $1,090
2009 Cadillac CTS $174 $250 $474 $1,056
2008 Cadillac CTS $168 $224 $468 $1,018
2007 Cadillac CTS $166 $218 $460 $1,002
2006 Cadillac CTS $162 $208 $452 $980
2005 Cadillac CTS $148 $198 $446 $950
2004 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 Buy the Best Cheap Cadillac CTS Insurance

Saving money on Cadillac CTS insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a quick review of the primary concepts that were raised in the charts and tables above.

  • It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,650 more per year to buy Cadillac CTS insurance
  • Increasing deductibles could save up to $525 each year
  • Drivers age 20 and younger are the costliest to insure, costing up to $445 per month if they have 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

  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 $5,338
20 $3,262
30 $1,460
40 $1,404
50 $1,284
60 $1,260

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,592
$500 $1,404
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,404
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS Insurance Rates for High Risk Drivers
Age Premium
16 $7,614
20 $5,202
30 $3,116
40 $3,056
50 $2,920
60 $2,894

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $76
Homeowner $22
5-yr Accident Free $103
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $70
Online Quote $100
Total Discounts $602
Rate after discounts $802

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

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