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.
Estimated insurance rates for a Cadillac CTS are $1,308 a year for full coverage insurance. Comprehensive costs an estimated $248 a year, collision costs $442, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,840. Teens pay the most at $5,030 a year or more.
Average premium for full coverage: $1,308
Premium estimates broken down by type of coverage:
Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and CTS trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac CTS go from as low as $510 for basic liability insurance to a high of $2,840 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area and risk profile, 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.
Rate Comparisons
The chart below illustrates estimated Cadillac CTS insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $758
- Using higher $1,000 deductibles will save approximately $1,154 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,308
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,614
- Drivers with serious driving violations could pay up to $2,840 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $5,030 or more
Auto insurance prices for a Cadillac CTS also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,000 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac CTS insurance rates. A driver around age 40 might see prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $460 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company calculates prices differently, and quoted prices will be substantially 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 | $1,280 | $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 More Affordable Cadillac CTS Insurance
Finding better rates on Cadillac CTS insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a summary of the ideas that were touched on in the above illustrations.
- Teens are the costliest to insure, with premiums being up to $419 per month if they have full coverage
- High-risk drivers who have multiple accidents or major violations pay on average $1,530 more annually for CTS insurance
- Increasing policy deductibles can save around $450 each year
- It is possible to save approximately $160 per year simply by quoting early and online
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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