Cadillac CT6 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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The average insurance rates for a Cadillac CT6 are $1,400 a year with full coverage. Comprehensive costs approximately $278 each year, collision costs $504, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $3,038. 16-year-old drivers cost the most to insure at $5,314 a year or more.
Average premium for full coverage: $1,400
Policy rates by type of insurance:
Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and CT6 models.
Price Range Variability
For a driver around age 40, Cadillac CT6 insurance rates go from the low end price of $510 for your basic liability-only policy to a high rate of $3,038 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above demonstrate why all drivers should compare rates quotes using their specific location, 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 Information
The chart below details estimated Cadillac CT6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $806
- Raising to $1,000 deductibles will save $178 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,400
- Buying low deductibles bumps up the cost to $1,746
- Drivers with multiple tickets or accidents could pay around $3,038 or more
- Policy cost that insures a 16-year-old driver can cost $5,314
Auto insurance rates for a Cadillac CT6 also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 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 $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,890 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,162 | -$238 | -17.0% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $944 | -$456 | -32.6% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,120 | -$280 | -20.0% |
| Michigan | $2,432 | $1,032 | 73.7% |
| Minnesota | $1,172 | -$228 | -16.3% |
| Mississippi | $1,678 | $278 | 19.9% |
| Missouri | $1,244 | -$156 | -11.1% |
| Montana | $1,506 | $106 | 7.6% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,008 | -$392 | -28.0% |
| New Jersey | $1,564 | $164 | 11.7% |
| New Mexico | $1,240 | -$160 | -11.4% |
| New York | $1,474 | $74 | 5.3% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,438 | $38 | 2.7% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,180 | -$220 | -15.7% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $958 | -$442 | -31.6% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,082 | -$318 | -22.7% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $968 | -$432 | -30.9% |
| Wyoming | $1,248 | -$152 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $530 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Cadillac CT6 | $324 | $648 | $452 | $1,582 |
| 2019 Cadillac CT6 | $310 | $610 | $456 | $1,534 |
| 2018 Cadillac CT6 | $298 | $548 | $460 | $1,464 |
| 2017 Cadillac CT6 | $278 | $504 | $460 | $1,400 |
| 2016 Cadillac CT6 | $268 | $472 | $464 | $1,362 |
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 low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop once a year by requesting quotes from direct companies, and also from local insurance agencies.
The items below are a recap of the data that was covered above.
- You may be able to save around $170 per year simply by quoting online in advance
- Insureds who purchase more liability coverage will pay around $510 every year to raise from a 30/60 limit to the 250/500 level
- Teen drivers have the highest car insurance rates, as much as $443 each month if the policy includes full coverage
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,640 more per year to insure their CT6
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,314 |
| 20 | $3,238 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,256 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,746 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,572 |
| 20 | $5,160 |
| 30 | $3,100 |
| 40 | $3,038 |
| 50 | $2,904 |
| 60 | $2,878 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $62 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $594 |
Discounts are estimated and may not be available from every company or in every state.
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