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.
The average insurance rates for a Cadillac CTS are $1,404 a year for full coverage insurance. Comprehensive costs around $270 a year, collision costs $524, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $3,056. Teen drivers cost the most to insure at $5,338 a year or more.
Average premium for full coverage: $1,404
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and CTS trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac CTS insurance rates go from as low as $504 for basic liability insurance to a high of $3,056 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and risk profile, rather than relying on price 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.
Rate Comparisons
The chart below illustrates estimated Cadillac CTS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $802
- Choosing higher $1,000 deductibles can save about $1,224 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,404
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,756
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,056 or more
- Policy cost for full coverage for a teen driver can be $5,338 each year
Car insurance rates for a Cadillac CTS also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age
Your home state 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 Vermont, Wisconsin, and North Carolina, or as much as $1,900 on average in Michigan, New York, and Florida.
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 high deductibles can save as much as $540 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied 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 Affordable Cadillac CTS Insurance
Finding cheaper rates on Cadillac CTS insurance takes having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the data that was raised in the charts and tables above.
- It is possible to save up to $170 per year simply by quoting early and online
- Drivers who may need increased levels of liability coverage will pay about $500 annually to raise limits from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger are the costliest to insure, possibly costing $445 each month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,650 more every year to buy Cadillac CTS insurance
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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