Cadillac CT6 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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The average insurance rates for a Cadillac CT6 are $1,400 a year for full coverage. Comprehensive costs an estimated $278, collision insurance costs $504, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $3,038. Teens cost the most to insure at up to $5,314 a year.
Average premium for full coverage: $1,400
Policy rates broken down by type of insurance:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different CT6 trim levels.
Price Range Variability
For an average driver, Cadillac CT6 insurance rates range from the low end price of $510 for just the minimum liability insurance to a much higher rate of $3,038 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.
The examples above show why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based 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 Analysis
The chart below shows average Cadillac CT6 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $806
- Using higher $1,000 deductibles will save approximately $178 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,400
- Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,746
- High-risk insureds with serious driving violations could pay up to $3,038
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,314 or more
Auto insurance rates for a Cadillac CT6 also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance can be from 43% to 135% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age
Your home state has a huge impact on Cadillac CT6 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,162 | -$238 | -17.0% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $944 | -$456 | -32.6% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,120 | -$280 | -20.0% |
| Michigan | $2,432 | $1,032 | 73.7% |
| Minnesota | $1,172 | -$228 | -16.3% |
| Mississippi | $1,678 | $278 | 19.9% |
| Missouri | $1,244 | -$156 | -11.1% |
| Montana | $1,506 | $106 | 7.6% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,008 | -$392 | -28.0% |
| New Jersey | $1,564 | $164 | 11.7% |
| New Mexico | $1,240 | -$160 | -11.4% |
| New York | $1,474 | $74 | 5.3% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,438 | $38 | 2.7% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,180 | -$220 | -15.7% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $958 | -$442 | -31.6% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,082 | -$318 | -22.7% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $968 | -$432 | -30.9% |
| Wyoming | $1,248 | -$152 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $530 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac CT6 | $324 | $648 | $452 | $1,582 |
| 2019 Cadillac CT6 | $310 | $610 | $456 | $1,534 |
| 2018 Cadillac CT6 | $298 | $548 | $460 | $1,464 |
| 2017 Cadillac CT6 | $278 | $504 | $460 | $1,400 |
| 2016 Cadillac CT6 | $268 | $472 | $464 | $1,362 |
Rates are averaged for all Cadillac CT6 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 CT6 Insurance
Finding cheaper rates on insurance for a Cadillac CT6 requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a brief summary of the primary concepts that were covered in the above illustrations.
- Drivers can save approximately $170 per year just by shopping early and online
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,640 more annually to buy Cadillac CT6 insurance
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Drivers age 20 and younger are the costliest to insure, costing up to $443 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,314 |
| 20 | $3,238 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,256 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,746 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,572 |
| 20 | $5,160 |
| 30 | $3,100 |
| 40 | $3,038 |
| 50 | $2,904 |
| 60 | $2,878 |
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 | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $62 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $594 |
Discounts are estimated and may not be available from every company or in every state.
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