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.
U.S. average insurance rates for a Cadillac CTS are $1,404 a year for full coverage insurance. Comprehensive insurance costs approximately $270, collision costs $524, and liability costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $3,056 or more. 16-year-old drivers pay the highest rates at $5,338 a year or more.
Average premium for full coverage: $1,404
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all CTS models.
Price Range from Low to High
For a driver in their 40's, Cadillac CTS insurance prices go from as low as $504 for just the minimum liability insurance to the much higher price of $3,056 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities.
The example below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on 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.
Additional Rate Analysis
The chart below illustrates estimated Cadillac CTS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $802
- Using higher $1,000 deductibles will save $180 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,404
- Buying pricier low deductibles for physical damage coverage will cost an extra $352 annually
- High-risk insureds with multiple tickets or accidents could pay around $3,056 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost $5,338 or more
Auto insurance prices for a Cadillac CTS are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age
The state you live in has a huge impact on Cadillac CTS insurance prices. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Cadillac CTS insurance for high-risk drivers can be from 43% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and quoted prices may be quite 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 | $1,370 | $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 Cheap Cadillac CTS Insurance
Getting lower rates on insurance for a Cadillac CTS requires being safe and accident-free, having good credit, not filing small claims, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,650 more per year than a low-risk driver
- Youthful drivers have the highest car insurance prices, as much as $445 a month if they have full coverage
- It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $525 each year
- It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
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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