Cadillac CTS Insurance Rates
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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.
The average insurance rates for a Cadillac CTS are $1,308 a year with full coverage. Comprehensive costs an estimated $248 each year, collision costs $442, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,840. Teens cost the most to insure at $5,030 a year or more.
Average premium for full coverage: $1,308
Policy rates broken down by type of insurance:
Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and CTS models.
Price Range Variability
For an average driver, Cadillac CTS insurance rates go from the low end price of $510 for just liability insurance to a high rate of $2,840 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why all drivers should compare rates 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.
More Rate Details
The chart below details estimated Cadillac CTS insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $758
- Drivers who choose higher $1,000 deductibles will pay approximately $154 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,308
- Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,614
- Drivers with serious driving violations could pay up to $2,840 or more
- Policy cost that insures a 16-year-old driver can cost as much as $5,030 a year
Car insurance rates for a Cadillac CTS also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age
Your home state makes a big difference in Cadillac CTS insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $460 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every company calculates rates differently, so rate quotes will be varied.
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 Find Cheaper Cadillac CTS Insurance
Finding cheaper rates on insurance for a Cadillac CTS not only requires having a good driving record, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates every year by requesting quotes from direct companies, and also from insurance agencies where you live.
The next list is a condensed summary of the coverage data covered in the above illustrations.
- You may be able to save approximately $160 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Drivers age 20 and younger have the highest car insurance rates, as much as $419 each month if full coverage is purchased
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,530 more annually 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 | $5,030 |
| 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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