Cadillac CT6 Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance rates for a Cadillac CT6 are $1,534 a year including full coverage. Comprehensive insurance costs on average $310 a year, collision costs $610, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,346 or more. Teenage drivers cost the most to insure at $5,758 a year or more.
Average premium for full coverage: $1,534
Policy rates by type of insurance:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and CT6 trim levels.
Price Range Variability
For the normal driver, Cadillac CT6 insurance rates go from the low end price of $508 for just liability insurance to a high of $3,346 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how geographic area affects car insurance rates.
The examples above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.
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 breaks down estimated Cadillac CT6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $869
- Raising to $1,000 deductibles will save around $1,326 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,534
- Using low $100 deductibles will cost an additional $410 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,346 or more
- Policy cost that insures a 16-year-old driver may cost $5,758
Auto insurance rates for a Cadillac CT6 also range considerably based on the trim level of your CT6, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $5,700 a year. View Rates by Age
Your home state also has a big influence on Cadillac CT6 insurance prices. A middle-age driver might find rates as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,190 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,388 | -$146 | -9.5% |
| Alaska | $1,178 | -$356 | -23.2% |
| Arizona | $1,274 | -$260 | -16.9% |
| Arkansas | $1,534 | -$0 | 0.0% |
| California | $1,750 | $216 | 14.1% |
| Colorado | $1,468 | -$66 | -4.3% |
| Connecticut | $1,580 | $46 | 3.0% |
| Delaware | $1,738 | $204 | 13.3% |
| Florida | $1,922 | $388 | 25.3% |
| Georgia | $1,416 | -$118 | -7.7% |
| Hawaii | $1,104 | -$430 | -28.0% |
| Idaho | $1,038 | -$496 | -32.3% |
| Illinois | $1,146 | -$388 | -25.3% |
| Indiana | $1,156 | -$378 | -24.6% |
| Iowa | $1,036 | -$498 | -32.5% |
| Kansas | $1,458 | -$76 | -5.0% |
| Kentucky | $2,096 | $562 | 36.6% |
| Louisiana | $2,272 | $738 | 48.1% |
| Maine | $948 | -$586 | -38.2% |
| Maryland | $1,266 | -$268 | -17.5% |
| Massachusetts | $1,228 | -$306 | -19.9% |
| Michigan | $2,668 | $1,134 | 73.9% |
| Minnesota | $1,286 | -$248 | -16.2% |
| Mississippi | $1,840 | $306 | 19.9% |
| Missouri | $1,362 | -$172 | -11.2% |
| Montana | $1,650 | $116 | 7.6% |
| Nebraska | $1,210 | -$324 | -21.1% |
| Nevada | $1,840 | $306 | 19.9% |
| New Hampshire | $1,106 | -$428 | -27.9% |
| New Jersey | $1,716 | $182 | 11.9% |
| New Mexico | $1,360 | -$174 | -11.3% |
| New York | $1,618 | $84 | 5.5% |
| North Carolina | $884 | -$650 | -42.4% |
| North Dakota | $1,256 | -$278 | -18.1% |
| Ohio | $1,060 | -$474 | -30.9% |
| Oklahoma | $1,576 | $42 | 2.7% |
| Oregon | $1,406 | -$128 | -8.3% |
| Pennsylvania | $1,464 | -$70 | -4.6% |
| Rhode Island | $2,048 | $514 | 33.5% |
| South Carolina | $1,392 | -$142 | -9.3% |
| South Dakota | $1,296 | -$238 | -15.5% |
| Tennessee | $1,344 | -$190 | -12.4% |
| Texas | $1,850 | $316 | 20.6% |
| Utah | $1,138 | -$396 | -25.8% |
| Vermont | $1,052 | -$482 | -31.4% |
| Virginia | $920 | -$614 | -40.0% |
| Washington | $1,188 | -$346 | -22.6% |
| West Virginia | $1,406 | -$128 | -8.3% |
| Wisconsin | $1,062 | -$472 | -30.8% |
| Wyoming | $1,368 | -$166 | -10.8% |
Using high physical damage deductibles can reduce rates by up to $620 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac CT6 | $356 | $724 | $430 | $1,668 |
| 2019 Cadillac CT6 | $336 | $698 | $442 | $1,634 |
| 2018 Cadillac CT6 | $324 | $648 | $452 | $1,582 |
| 2017 Cadillac CT6 | $310 | $610 | $456 | $1,534 |
| 2016 Cadillac CT6 | $298 | $548 | $460 | $1,464 |
Rates are averaged for all Cadillac CT6 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 Cheapest Cadillac CT6 Insurance
Finding cheaper rates on insurance for a Cadillac CT6 consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
Below is a recap of the coverage data presented in the illustrations above.
- You may be able to save as much as $190 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- Teenage drivers are charged the highest rates, with premiums being up to $480 each month if the policy includes full coverage
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,810 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,758 |
| 20 | $3,568 |
| 30 | $1,602 |
| 40 | $1,534 |
| 50 | $1,402 |
| 60 | $1,376 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,944 |
| $250 | $1,754 |
| $500 | $1,534 |
| $1,000 | $1,326 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,534 |
| 50/100 | $1,625 |
| 100/300 | $1,739 |
| 250/500 | $2,036 |
| 100 CSL | $1,671 |
| 300 CSL | $1,922 |
| 500 CSL | $2,104 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,234 |
| 20 | $5,690 |
| 30 | $3,418 |
| 40 | $3,346 |
| 50 | $3,194 |
| 60 | $3,168 |
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 | $83 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $72 |
| Advance Quote | $78 |
| Online Quote | $110 |
| Total Discounts | $665 |
Discounts are estimated and may not be available from every company or in every state.
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