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.
Estimated insurance rates for a Cadillac CTS are $1,404 a year for full coverage. Comprehensive insurance costs around $270, collision insurance costs $524, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $3,056 or more. Teens pay the most at up to $5,338 a year.
Average premium for full coverage: $1,404
Premium estimates for type of coverage:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all CTS models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Cadillac CTS range from the low end price of $504 for minimum levels of liability insurance to the much higher price of $3,056 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.
These rate differences show why everyone should compare rates for a specific zip code, rather than using 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 Details
The chart below shows average Cadillac CTS insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $802
- Drivers who choose higher $1,000 deductibles will pay about $180 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,404
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $352 each year
- High-risk insureds with serious driving violations could pay at least $3,056
- An auto insurance policy that insures a teenage driver for full coverage can be $5,338 a year
Insurance prices for a Cadillac CTS also have a wide range based on the model of your CTS, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,700 to $2,300 additional annually, depending on your age. Cadillac CTS insurance for high-risk drivers can cost around 43% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac CTS insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,000 on average in Michigan, Louisiana, and New York.
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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $540 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
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 the Best Cheap Cadillac CTS Insurance
Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
Below is a quick review of the data that was presented in the illustrations above.
- Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
- Consumers who may need higher levels of liability will pay approximately $500 each year to go from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers are charged the highest prices, as much as $445 per month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation pay on average $1,650 more every year for auto 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 | $5,338 |
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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