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 $1,368 annually with full coverage. Comprehensive insurance costs an estimated $260, collision insurance costs $494, and liability insurance costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs $2,974 or more. Teens receive the highest rates at up to $5,224 a year.
Average premium for full coverage: $1,368
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 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 $508 for just the minimum liability insurance to the much higher price of $2,974 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.
These examples demonstrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than relying 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.
Additional Rate Analysis
The chart below details average Cadillac CTS insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $786
- Using higher $1,000 deductibles will save approximately $172 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,368
- Selecting pricier low deductibles for physical damage coverage costs an additional $332 a year
- Drivers with serious driving violations could pay up to $2,974
- The cost with full coverage for a teen driver for full coverage can cost as much as $5,224 or more
Insurance rates for a Cadillac CTS can also vary considerably based on the trim level of your CTS, your driving record, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,600 to $2,300 additional per year, depending on your age. Cadillac CTS insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Cadillac CTS insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,236 | -$132 | -9.6% |
| Alaska | $1,050 | -$318 | -23.2% |
| Arizona | $1,136 | -$232 | -17.0% |
| Arkansas | $1,368 | -$0 | 0.0% |
| California | $1,558 | $190 | 13.9% |
| Colorado | $1,308 | -$60 | -4.4% |
| Connecticut | $1,406 | $38 | 2.8% |
| Delaware | $1,548 | $180 | 13.2% |
| Florida | $1,710 | $342 | 25.0% |
| Georgia | $1,262 | -$106 | -7.7% |
| Hawaii | $982 | -$386 | -28.2% |
| Idaho | $924 | -$444 | -32.5% |
| Illinois | $1,020 | -$348 | -25.4% |
| Indiana | $1,030 | -$338 | -24.7% |
| Iowa | $924 | -$444 | -32.5% |
| Kansas | $1,298 | -$70 | -5.1% |
| Kentucky | $1,866 | $498 | 36.4% |
| Louisiana | $2,022 | $654 | 47.8% |
| Maine | $844 | -$524 | -38.3% |
| Maryland | $1,128 | -$240 | -17.5% |
| Massachusetts | $1,094 | -$274 | -20.0% |
| Michigan | $2,378 | $1,010 | 73.8% |
| Minnesota | $1,146 | -$222 | -16.2% |
| Mississippi | $1,640 | $272 | 19.9% |
| Missouri | $1,212 | -$156 | -11.4% |
| Montana | $1,470 | $102 | 7.5% |
| Nebraska | $1,076 | -$292 | -21.3% |
| Nevada | $1,640 | $272 | 19.9% |
| New Hampshire | $986 | -$382 | -27.9% |
| New Jersey | $1,528 | $160 | 11.7% |
| New Mexico | $1,212 | -$156 | -11.4% |
| New York | $1,442 | $74 | 5.4% |
| North Carolina | $788 | -$580 | -42.4% |
| North Dakota | $1,118 | -$250 | -18.3% |
| Ohio | $944 | -$424 | -31.0% |
| Oklahoma | $1,404 | $36 | 2.6% |
| Oregon | $1,252 | -$116 | -8.5% |
| Pennsylvania | $1,304 | -$64 | -4.7% |
| Rhode Island | $1,824 | $456 | 33.3% |
| South Carolina | $1,238 | -$130 | -9.5% |
| South Dakota | $1,154 | -$214 | -15.6% |
| Tennessee | $1,198 | -$170 | -12.4% |
| Texas | $1,646 | $278 | 20.3% |
| Utah | $1,014 | -$354 | -25.9% |
| Vermont | $938 | -$430 | -31.4% |
| Virginia | $820 | -$548 | -40.1% |
| Washington | $1,056 | -$312 | -22.8% |
| West Virginia | $1,252 | -$116 | -8.5% |
| Wisconsin | $948 | -$420 | -30.7% |
| Wyoming | $1,220 | -$148 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,334 | $111 |
| Cadillac CTS | $1,334 | $111 |
| Cadillac CTS Luxury AWD | $1,368 | $114 |
| Cadillac CTS Performance AWD | $1,368 | $114 |
| Cadillac CTS Luxury | $1,368 | $114 |
| Cadillac CTS Performance | $1,368 | $114 |
| Cadillac CTS Sport | $1,368 | $114 |
| Cadillac CTS Premium | $1,400 | $117 |
| Cadillac CTS Premium AWD | $1,434 | $120 |
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 | $270 | $524 | $452 | $1,404 |
| 2018 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2017 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2016 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2015 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2014 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2013 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2012 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2011 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2010 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2009 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2008 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2007 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2006 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2005 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 the Best Cadillac CTS Insurance
Saving money on Cadillac CTS insurance requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a brief recap of the car insurance concepts covered in the above illustrations.
- High-risk drivers who tend to receive serious violations pay on average $1,610 more annually to insure a Cadillac CTS
- You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $500 each year
- Drivers who want increased liability limits will pay approximately $500 every year to increase from a minimum limit to higher 250/500 limits
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 | $5,224 |
| 20 | $3,174 |
| 30 | $1,418 |
| 40 | $1,368 |
| 50 | $1,250 |
| 60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,700 |
| $250 | $1,546 |
| $500 | $1,368 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,368 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,442 |
| 20 | $5,060 |
| 30 | $3,028 |
| 40 | $2,974 |
| 50 | $2,842 |
| 60 | $2,818 |
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 | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $582 |
Discounts are estimated and may not be available from every company or in every state.
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