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.
Average insurance rates for a Cadillac CTS are $1,404 a year for full coverage insurance. Comprehensive insurance costs on average $270 each year, collision costs $524, and liability insurance is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing $3,056 or more. Teenage drivers receive the highest rates at $5,338 a year or more.
Average premium for full coverage: $1,404
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and CTS models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $504 for just liability coverage to a high rate of $3,056 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how location helps determine car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and risk profile, rather than relying on average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Cadillac CTS insurance rates for different risk profiles and scenarios.
- The best discount rate is $802
- Choosing higher $1,000 deductibles can save around $180 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,404
- Using low deductibles for comp and collision coverage will cost an extra $352 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,056 or more
- The cost for full coverage for a teen driver may cost $5,338 each year
Car insurance rates for a Cadillac CTS can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age
Where you live 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 be forced to pay 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% |
Using high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly 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 More Affordable Cadillac CTS Insurance
Saving money on Cadillac CTS insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by getting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a summary of the material that was covered in the charts and tables above.
- Drivers who require an increased level of liability coverage will pay an extra $500 annually to raise limits from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing up to $445 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations pay an average of $1,650 more each year than a safer driver
- Increasing deductibles can save around $525 each year
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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