Cadillac CTS Insurance Rates
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UPDATED: Jun 5, 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.
U.S. average insurance rates for a Cadillac CTS are $1,404 a year for full coverage. Comprehensive costs on average $270 each year, collision insurance costs $524, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $3,056. Teens pay the highest rates at up to $5,338 a year.
Average premium for full coverage: $1,404
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and CTS models.
Price Range from Low to High
For the average 40-year-old driver, Cadillac CTS insurance prices range from the low end price of $504 for just the minimum liability insurance to a high rate of $3,056 for a high-risk insurance policy.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.
The ranges above show why all drivers should compare rates based on a specific location, instead of using 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 Analysis
The chart below shows average Cadillac CTS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $802
- Drivers who choose higher $1,000 deductibles will pay around $180 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,404
- Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,756
- Higher-risk drivers with serious driving violations could pay upwards of $3,056
- The price that insures a teen driver may cost $5,338 a year
Auto insurance prices for a Cadillac CTS are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age
The state you live in makes a big difference in Cadillac CTS insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.
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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Cadillac CTS | $270 | $524 | $452 | $1,404 |
2015 Cadillac CTS | $232 | $408 | $460 | $1,258 |
2011 Cadillac CTS | $198 | $300 | $478 | $1,134 |
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 Find the Right Cadillac CTS Insurance
Getting lower rates on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare rates at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a quick rundown of the car insurance concepts touched on in this article.
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,650 more each year to insure their CTS
- Drivers can save as much as $170 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $525 each year
- Policyholders who require more liability coverage will pay approximately $500 each year to go from a low limit to the 250/500 level
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 | $5,338 |
20 | $3,262 |
30 | $1,460 |
40 | $1,404 |
50 | $1,284 |
60 | $1,260 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,756 |
$250 | $1,592 |
$500 | $1,404 |
$1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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