Cadillac CTS Insurance Rates
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Michelle Robbins
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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 $1,308 annually including full coverage. Comprehensive costs an estimated $248, collision insurance costs $442, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,840. Teens receive the highest rates at up to $5,030 a year.
Average premium for full coverage: $1,308
Rate estimates broken down by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all CTS models.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $510 for just liability insurance to the much higher price of $2,840 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.
These examples highlight why everyone should get quotes for a targeted area and their own personal driving habits, 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.
More Rate Details
The chart below breaks down average Cadillac CTS insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $758
- Choosing higher $1,000 deductibles can save approximately $154 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,308
- Selecting pricier low deductibles for comp and collision coverage will cost $1,614
- Unlucky drivers with serious driving violations could pay up to $2,840
- The cost with full coverage for a teen driver for full coverage can cost as much as $5,030 each year
Car insurance rates for a Cadillac CTS can also vary considerably based on the trim level of your CTS, your driving characteristics, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 extra per year, depending on your age. Cadillac CTS insurance for high-risk drivers ranges as much as 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $460 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac CTS insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,184 | -$124 | -9.5% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,088 | -$220 | -16.8% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,492 | $184 | 14.1% |
| Colorado | $1,252 | -$56 | -4.3% |
| Connecticut | $1,346 | $38 | 2.9% |
| Delaware | $1,482 | $174 | 13.3% |
| Florida | $1,640 | $332 | 25.4% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $940 | -$368 | -28.1% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $976 | -$332 | -25.4% |
| Indiana | $986 | -$322 | -24.6% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,244 | -$64 | -4.9% |
| Kentucky | $1,788 | $480 | 36.7% |
| Louisiana | $1,938 | $630 | 48.2% |
| Maine | $810 | -$498 | -38.1% |
| Maryland | $1,082 | -$226 | -17.3% |
| Massachusetts | $1,048 | -$260 | -19.9% |
| Michigan | $2,274 | $966 | 73.9% |
| Minnesota | $1,096 | -$212 | -16.2% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,408 | $100 | 7.6% |
| Nebraska | $1,032 | -$276 | -21.1% |
| Nevada | $1,570 | $262 | 20.0% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,464 | $156 | 11.9% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,380 | $72 | 5.5% |
| North Carolina | $754 | -$554 | -42.4% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $906 | -$402 | -30.7% |
| Oklahoma | $1,346 | $38 | 2.9% |
| Oregon | $1,200 | -$108 | -8.3% |
| Pennsylvania | $1,250 | -$58 | -4.4% |
| Rhode Island | $1,748 | $440 | 33.6% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,106 | -$202 | -15.4% |
| Tennessee | $1,148 | -$160 | -12.2% |
| Texas | $1,580 | $272 | 20.8% |
| Utah | $970 | -$338 | -25.8% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $786 | -$522 | -39.9% |
| Washington | $1,014 | -$294 | -22.5% |
| West Virginia | $1,200 | -$108 | -8.3% |
| Wisconsin | $906 | -$402 | -30.7% |
| Wyoming | $1,168 | -$140 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,280 | $107 |
| Cadillac CTS | $1,280 | $107 |
| Cadillac CTS Luxury AWD | $1,308 | $109 |
| Cadillac CTS Performance AWD | $1,308 | $109 |
| Cadillac CTS Luxury | $1,308 | $109 |
| Cadillac CTS Performance | $1,308 | $109 |
| Cadillac CTS Sport | $1,308 | $109 |
| Cadillac CTS Premium | $1,340 | $112 |
| Cadillac CTS Premium AWD | $1,370 | $114 |
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 |
|---|---|---|---|---|
| 2019 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2018 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2017 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2016 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2015 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2014 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2013 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2012 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2011 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2010 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2009 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2008 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2007 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2006 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 More Affordable Cadillac CTS Insurance
Saving money on car insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and possibly higher deductibles. Take the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The list below is a summary of the concepts that were covered in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,530 more annually for car insurance
- Teenagers have the highest car insurance rates, as much as $419 per month if comprehensive and collision insurance is included
- You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $450 each year
- You may be able to save approximately $160 per year just 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 | $5,030 |
| 20 | $3,028 |
| 30 | $1,356 |
| 40 | $1,308 |
| 50 | $1,198 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,614 |
| $250 | $1,472 |
| $500 | $1,308 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,462 |
| 100/300 | $1,577 |
| 250/500 | $1,876 |
| 100 CSL | $1,508 |
| 300 CSL | $1,761 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,154 |
| 20 | $4,826 |
| 30 | $2,892 |
| 40 | $2,840 |
| 50 | $2,716 |
| 60 | $2,692 |
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 | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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