Cadillac CTS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $270
Collision $524
Liability $452

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.

Liability Only $504
Full Coverage $1,404
High Risk $3,056

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.

Rural Areas $1,053
Small Cities $1,474
Large Cities $1,895

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

View Chart as Image

Cadillac CTS insurance cost comparison chart
Column chart showing full coverage Cadillac CTS insurance prices range from $802 to $5,338

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.

Cadillac CTS Insurance Rates by State
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%

View Chart as Image

Cadillac CTS insurance rates by U.S. city

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

Cadillac CTS Insurance Rates by Model and Trim Level
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.

Cadillac CTS Insurance Rates by Model Year
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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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

  1. https://www.iihs.org/ratings/vehicle/cadillac/cts-4-door-sedan/2019

Rates by Driver Age

Cadillac CTS Insurance 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

Cadillac CTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,592
$500 $1,404
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS Insurance Rates with Different Liability Limits
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

Cadillac CTS Insurance 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.

SR-22 Surcharge $200

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
Rate after discounts $802

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles