Cadillac CTS Premium Insurance Rates
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Average auto insurance rates for a Cadillac CTS Premium are $1,588 annually for full coverage insurance. Comprehensive insurance costs approximately $368, collision insurance costs $698, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs $3,438 or more. Teen drivers receive the highest rates at up to $5,752 a year.
Annual premium for full coverage: $1,588
Rate estimates by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Cadillac CTS Trim Level
For a driver in their 40's, prices range from as cheap as $430 for just the minimum liability insurance to a much higher rate of $3,438 for a driver who has had serious violations or accidents.
These differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap Cadillac CTS Premium Insurance
Car insurance rates for a Cadillac CTS Premium can also vary considerably based on the model year of your CTS, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,500 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,500 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $720 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Cadillac CTS Premium insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.
With so much variability in prices, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
The chart estimates Cadillac CTS Premium insurance prices for various situations. The lowest price with discounts is $898. Drivers who choose higher $1,000 deductibles will pay about $1,346. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,588. Using more expensive $100 deductibles for physical damage coverage could cost up to $2,060. High risk drivers could be charged as much as $3,438. The price for full coverage for a teenager can be as high as $5,752.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,434 | -$154 | -9.7% |
| Alaska | $1,218 | -$370 | -23.3% |
| Arizona | $1,320 | -$268 | -16.9% |
| Arkansas | $1,588 | -$0 | 0.0% |
| California | $1,810 | $222 | 14.0% |
| Colorado | $1,518 | -$70 | -4.4% |
| Connecticut | $1,634 | $46 | 2.9% |
| Delaware | $1,798 | $210 | 13.2% |
| Florida | $1,986 | $398 | 25.1% |
| Georgia | $1,466 | -$122 | -7.7% |
| Hawaii | $1,142 | -$446 | -28.1% |
| Idaho | $1,074 | -$514 | -32.4% |
| Illinois | $1,182 | -$406 | -25.6% |
| Indiana | $1,196 | -$392 | -24.7% |
| Iowa | $1,072 | -$516 | -32.5% |
| Kansas | $1,510 | -$78 | -4.9% |
| Kentucky | $2,166 | $578 | 36.4% |
| Louisiana | $2,352 | $764 | 48.1% |
| Maine | $980 | -$608 | -38.3% |
| Maryland | $1,310 | -$278 | -17.5% |
| Massachusetts | $1,270 | -$318 | -20.0% |
| Michigan | $2,760 | $1,172 | 73.8% |
| Minnesota | $1,328 | -$260 | -16.4% |
| Mississippi | $1,904 | $316 | 19.9% |
| Missouri | $1,408 | -$180 | -11.3% |
| Montana | $1,706 | $118 | 7.4% |
| Nebraska | $1,252 | -$336 | -21.2% |
| Nevada | $1,906 | $318 | 20.0% |
| New Hampshire | $1,146 | -$442 | -27.8% |
| New Jersey | $1,776 | $188 | 11.8% |
| New Mexico | $1,406 | -$182 | -11.5% |
| New York | $1,672 | $84 | 5.3% |
| North Carolina | $916 | -$672 | -42.3% |
| North Dakota | $1,302 | -$286 | -18.0% |
| Ohio | $1,096 | -$492 | -31.0% |
| Oklahoma | $1,632 | $44 | 2.8% |
| Oregon | $1,456 | -$132 | -8.3% |
| Pennsylvania | $1,516 | -$72 | -4.5% |
| Rhode Island | $2,118 | $530 | 33.4% |
| South Carolina | $1,440 | -$148 | -9.3% |
| South Dakota | $1,340 | -$248 | -15.6% |
| Tennessee | $1,390 | -$198 | -12.5% |
| Texas | $1,914 | $326 | 20.5% |
| Utah | $1,176 | -$412 | -25.9% |
| Vermont | $1,088 | -$500 | -31.5% |
| Virginia | $950 | -$638 | -40.2% |
| Washington | $1,226 | -$362 | -22.8% |
| West Virginia | $1,456 | -$132 | -8.3% |
| Wisconsin | $1,100 | -$488 | -30.7% |
| Wyoming | $1,416 | -$172 | -10.8% |
Rate Tables and Charts
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Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,752 |
| 20 | $3,672 |
| 30 | $1,668 |
| 40 | $1,588 |
| 50 | $1,448 |
| 60 | $1,422 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,060 |
| $250 | $1,842 |
| $500 | $1,588 |
| $1,000 | $1,346 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,588 |
| 50/100 | $1,661 |
| 100/300 | $1,752 |
| 250/500 | $1,988 |
| 100 CSL | $1,697 |
| 300 CSL | $1,897 |
| 500 CSL | $2,043 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,242 |
| 20 | $5,838 |
| 30 | $3,530 |
| 40 | $3,438 |
| 50 | $3,280 |
| 60 | $3,250 |
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 | $86 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $124 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $78 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $690 |
Discounts are estimated and may not be available from every company or in every state.
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