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 $1,400 a year for full coverage insurance. Comprehensive costs on average $278, collision costs $504, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $3,038. Teenage 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:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all CT6 models.
Price Range Variability
For the average 40-year-old driver, Cadillac CT6 insurance rates go from as low as $510 for the bare minimum liability coverage to the much higher price of $3,038 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates the difference location can make on car insurance rates.
The examples above illustrate why everyone should compare prices based on a specific location and risk profile, 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.
Additional Rate Information
The chart below illustrates estimated Cadillac CT6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $806
- Using higher $1,000 deductibles will save around $178 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,400
- Using pricier low deductibles for physical damage coverage will increase the cost to $1,746
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,038 or more
- Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,314 or more
Insurance rates for a Cadillac CT6 also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age
Your home state has a huge impact on Cadillac CT6 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,890 on average in Michigan, New York, 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% |
Using high physical damage deductibles could cut rates by as much as $530 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. 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 at a minimum $1,700 to $2,300 extra every year, depending on your age. Cadillac CT6 insurance for high-risk drivers can be from 43% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.
| 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 Cheaper Cadillac CT6 Insurance
Finding cheaper rates on insurance for a Cadillac CT6 requires avoiding accidents and violations, maintaining good credit, being claim-free, and bundling your home and auto policies. Make time to compare rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a condensed summary of the material that was touched on in this article.
- Insureds who require higher liability limits will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits
- Teenagers pay the highest rates, possibly costing $443 each month for full coverage
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,640 more each year for car insurance
- Increasing comprehensive and collision deductibles can save around $525 each year
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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