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 $1,368 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision insurance costs $494, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,974 or more. Teen drivers pay the most at up to $5,224 a year.
Average premium for full coverage: $1,368
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and CTS models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac CTS range from the low end price of $508 for a discount liability-only rate to a high rate of $2,974 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why all drivers should compare rates using their specific location, instead of using price averages.
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.
Rates by State, City, and Model
The chart below breaks down average Cadillac CTS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $786
- Drivers who choose higher $1,000 deductibles will pay $172 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,368
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $332 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,974
- An auto insurance policy that insures a teen driver can cost $5,224 a year
Auto insurance prices for a Cadillac CTS also have a wide range based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac CTS insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $510 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 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 | $1,334 | $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 Find More Affordable Cadillac CTS Insurance
Finding better rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, refrain from filing small claims, and possibly higher deductibles. Shop around once a year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
Below is a summary of the data that was touched on in this article.
- You may be able to save around $170 per year just by quoting online in advance
- Policyholders who purchase higher levels of liability will pay about $500 per year to go from 30/60 bodily injury limits to the 250/500 level
- Teenage drivers have the highest car insurance prices, with the cost nearing $435 per month if the policy includes full coverage
- Higher risk drivers who have multiple accidents or major violations will likely pay on average $1,610 more per 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 | $5,224 |
| 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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