Cadillac CT5 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac CT5 are $1,434 annually with full coverage. Comprehensive insurance costs an estimated $382 a year, collision insurance costs $668, and liability costs $274. Liability-only coverage costs as little as $322 a year, and high-risk coverage costs $3,088 or more. 16-year-old drivers cost the most to insure at up to $4,980 a year.
Average premium for full coverage: $1,434
Policy rates broken down by type of insurance:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and CT5 trim levels.
Price Range Variability
For a driver in their 40's, Cadillac CT5 insurance rates range from as cheap as $322 for just liability insurance to a high of $3,088 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The diagram below illustrates how location helps determine insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate 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.
More Rate Details
The chart below details average Cadillac CT5 insurance rates for other coverage scenarios.
- The best full coverage rate is $800
- Drivers who choose higher $1,000 deductibles will pay approximately $1,196 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,434
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $462 annually
- Drivers with multiple tickets or accidents could pay up to $3,088
- Policy cost with full coverage for a 16-year-old driver can cost as much as $4,980 a year
Insurance rates for a Cadillac CT5 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost from 46% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $700 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $246 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac CT5 insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or at least $1,940 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,296 | -$138 | -9.6% |
| Alaska | $1,098 | -$336 | -23.4% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,634 | $200 | 13.9% |
| Colorado | $1,368 | -$66 | -4.6% |
| Connecticut | $1,472 | $38 | 2.6% |
| Delaware | $1,622 | $188 | 13.1% |
| Florida | $1,792 | $358 | 25.0% |
| Georgia | $1,326 | -$108 | -7.5% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $970 | -$464 | -32.4% |
| Kansas | $1,360 | -$74 | -5.2% |
| Kentucky | $1,954 | $520 | 36.3% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $884 | -$550 | -38.4% |
| Maryland | $1,182 | -$252 | -17.6% |
| Massachusetts | $1,144 | -$290 | -20.2% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,716 | $282 | 19.7% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,128 | -$306 | -21.3% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,600 | $166 | 11.6% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,512 | $78 | 5.4% |
| North Carolina | $824 | -$610 | -42.5% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,470 | $36 | 2.5% |
| Oregon | $1,316 | -$118 | -8.2% |
| Pennsylvania | $1,368 | -$66 | -4.6% |
| Rhode Island | $1,912 | $478 | 33.3% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,254 | -$180 | -12.6% |
| Texas | $1,726 | $292 | 20.4% |
| Utah | $1,062 | -$372 | -25.9% |
| Vermont | $978 | -$456 | -31.8% |
| Virginia | $858 | -$576 | -40.2% |
| Washington | $1,106 | -$328 | -22.9% |
| West Virginia | $1,316 | -$118 | -8.2% |
| Wisconsin | $992 | -$442 | -30.8% |
| Wyoming | $1,276 | -$158 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $432 | $718 | $246 | $1,506 |
| 2023 Cadillac CT5 | $412 | $690 | $258 | $1,470 |
| 2022 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2021 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2020 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
Rates are averaged for all Cadillac CT5 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 Cheap Cadillac CT5 Insurance
Finding cheaper rates on insurance for a Cadillac CT5 not only requires having a good driving record, but also having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,650 more annually to buy Cadillac CT5 insurance
- Drivers age 20 and younger are expensive to insure, as much as $415 each month if they have full coverage
- You may be able to save approximately $180 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $700 each year
- You may be able to save approximately $180 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,980 |
| 20 | $3,272 |
| 30 | $1,518 |
| 40 | $1,434 |
| 50 | $1,304 |
| 60 | $1,280 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,896 |
| $250 | $1,680 |
| $500 | $1,434 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,489 |
| 100/300 | $1,557 |
| 250/500 | $1,735 |
| 100 CSL | $1,516 |
| 300 CSL | $1,667 |
| 500 CSL | $1,777 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $5,206 |
| 30 | $3,182 |
| 40 | $3,088 |
| 50 | $2,940 |
| 60 | $2,914 |
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 | $79 |
| Multi-vehicle | $73 |
| Homeowner | $19 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $73 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $634 |
Discounts are estimated and may not be available from every company or in every state.
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