Cadillac CT5 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac CT5 are $1,402 a year for full coverage insurance. Comprehensive costs an estimated $368, collision insurance costs $640, and liability is estimated at $284. A liability-only policy costs approximately $328 a year, and high-risk insurance costs around $3,018. Teens cost the most to insure at up to $4,894 a year.
Average premium for full coverage: $1,402
Policy rates broken down by type of insurance:
Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all CT5 models.
Price Range Variability
For a 40-year-old driver, Cadillac CT5 insurance rates range from as low as $328 for just the minimum liability insurance to the much higher price of $3,018 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.
The examples above illustrate why everyone should get quotes for a targeted area and risk profile, instead of 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 Analysis
The chart below illustrates average Cadillac CT5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $784
- Choosing higher $1,000 deductibles can save approximately $228 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,402
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,846
- Unlucky drivers with serious driving violations could pay up to $3,018
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,894 each year
Car insurance rates for a Cadillac CT5 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac CT5 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,890 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$136 | -9.7% |
| Alaska | $1,076 | -$326 | -23.3% |
| Arizona | $1,166 | -$236 | -16.8% |
| Arkansas | $1,402 | -$0 | 0.0% |
| California | $1,596 | $194 | 13.8% |
| Colorado | $1,338 | -$64 | -4.6% |
| Connecticut | $1,440 | $38 | 2.7% |
| Delaware | $1,584 | $182 | 13.0% |
| Florida | $1,750 | $348 | 24.8% |
| Georgia | $1,296 | -$106 | -7.6% |
| Hawaii | $1,008 | -$394 | -28.1% |
| Idaho | $950 | -$452 | -32.2% |
| Illinois | $1,046 | -$356 | -25.4% |
| Indiana | $1,058 | -$344 | -24.5% |
| Iowa | $946 | -$456 | -32.5% |
| Kansas | $1,332 | -$70 | -5.0% |
| Kentucky | $1,910 | $508 | 36.2% |
| Louisiana | $2,074 | $672 | 47.9% |
| Maine | $862 | -$540 | -38.5% |
| Maryland | $1,156 | -$246 | -17.5% |
| Massachusetts | $1,118 | -$284 | -20.3% |
| Michigan | $2,432 | $1,030 | 73.5% |
| Minnesota | $1,174 | -$228 | -16.3% |
| Mississippi | $1,680 | $278 | 19.8% |
| Missouri | $1,242 | -$160 | -11.4% |
| Montana | $1,506 | $104 | 7.4% |
| Nebraska | $1,104 | -$298 | -21.3% |
| Nevada | $1,680 | $278 | 19.8% |
| New Hampshire | $1,010 | -$392 | -28.0% |
| New Jersey | $1,564 | $162 | 11.6% |
| New Mexico | $1,240 | -$162 | -11.6% |
| New York | $1,476 | $74 | 5.3% |
| North Carolina | $806 | -$596 | -42.5% |
| North Dakota | $1,146 | -$256 | -18.3% |
| Ohio | $968 | -$434 | -31.0% |
| Oklahoma | $1,438 | $36 | 2.6% |
| Oregon | $1,286 | -$116 | -8.3% |
| Pennsylvania | $1,334 | -$68 | -4.9% |
| Rhode Island | $1,868 | $466 | 33.2% |
| South Carolina | $1,268 | -$134 | -9.6% |
| South Dakota | $1,182 | -$220 | -15.7% |
| Tennessee | $1,226 | -$176 | -12.6% |
| Texas | $1,688 | $286 | 20.4% |
| Utah | $1,038 | -$364 | -26.0% |
| Vermont | $958 | -$444 | -31.7% |
| Virginia | $840 | -$562 | -40.1% |
| Washington | $1,080 | -$322 | -23.0% |
| West Virginia | $1,288 | -$114 | -8.1% |
| Wisconsin | $970 | -$432 | -30.8% |
| Wyoming | $1,246 | -$156 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $680 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $255 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,600 to $2,200 extra every year, depending on your age. Cadillac CT5 insurance for high-risk drivers ranges as much as 45% to 128% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT5 | $412 | $690 | $258 | $1,470 |
| 2023 Cadillac CT5 | $394 | $686 | $264 | $1,454 |
| 2022 Cadillac CT5 | $382 | $668 | $274 | $1,434 |
| 2021 Cadillac CT5 | $368 | $640 | $284 | $1,402 |
| 2020 Cadillac CT5 | $348 | $618 | $292 | $1,368 |
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 Find the Best Cadillac CT5 Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and possibly higher deductibles. Invest the time to shop around every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief recap of the ideas that were illustrated above.
- Teens have the highest car insurance rates, possibly costing $408 each month if full coverage is included
- Higher risk drivers who tend to receive serious violations pay on average $1,620 more annually for CT5 insurance
- Increasing comprehensive and collision deductibles can save around $675 each year
- It is possible to save approximately $180 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $3,196 |
| 30 | $1,484 |
| 40 | $1,402 |
| 50 | $1,276 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,846 |
| $250 | $1,640 |
| $500 | $1,402 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,402 |
| 50/100 | $1,459 |
| 100/300 | $1,530 |
| 250/500 | $1,714 |
| 100 CSL | $1,487 |
| 300 CSL | $1,643 |
| 500 CSL | $1,757 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,048 |
| 20 | $5,086 |
| 30 | $3,108 |
| 40 | $3,018 |
| 50 | $2,876 |
| 60 | $2,848 |
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 | $78 |
| Multi-vehicle | $71 |
| Homeowner | $19 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $71 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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