Cadillac CTS-V Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac CTS-V are $1,126 every 12 months for full coverage insurance. Comprehensive costs around $234, collision costs $354, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,424. Teen drivers pay the most at $4,270 a year or more.
Average premium for full coverage: $1,126
Premium estimates for type of coverage:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different CTS-V trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac CTS-V go from the cheapest price of $446 for the bare minimum liability coverage to a much higher rate of $2,424 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on price 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.
Additional Rate Information
The chart below illustrates estimated Cadillac CTS-V insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $662
- Choosing higher $1,000 deductibles can save about $134 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,126
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,382
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,424 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,270 each year
Auto insurance prices for a Cadillac CTS-V also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $390 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,300 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance ranges from 44% to 129% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Cadillac CTS-V insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,520 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,016 | -$110 | -9.8% |
| Alaska | $862 | -$264 | -23.4% |
| Arizona | $932 | -$194 | -17.2% |
| Arkansas | $1,126 | -$0 | 0.0% |
| California | $1,282 | $156 | 13.9% |
| Colorado | $1,074 | -$52 | -4.6% |
| Connecticut | $1,154 | $28 | 2.5% |
| Delaware | $1,272 | $146 | 13.0% |
| Florida | $1,406 | $280 | 24.9% |
| Georgia | $1,040 | -$86 | -7.6% |
| Hawaii | $808 | -$318 | -28.2% |
| Idaho | $762 | -$364 | -32.3% |
| Illinois | $838 | -$288 | -25.6% |
| Indiana | $848 | -$278 | -24.7% |
| Iowa | $758 | -$368 | -32.7% |
| Kansas | $1,068 | -$58 | -5.2% |
| Kentucky | $1,534 | $408 | 36.2% |
| Louisiana | $1,666 | $540 | 48.0% |
| Maine | $694 | -$432 | -38.4% |
| Maryland | $930 | -$196 | -17.4% |
| Massachusetts | $898 | -$228 | -20.2% |
| Michigan | $1,954 | $828 | 73.5% |
| Minnesota | $942 | -$184 | -16.3% |
| Mississippi | $1,346 | $220 | 19.5% |
| Missouri | $998 | -$128 | -11.4% |
| Montana | $1,208 | $82 | 7.3% |
| Nebraska | $884 | -$242 | -21.5% |
| Nevada | $1,350 | $224 | 19.9% |
| New Hampshire | $810 | -$316 | -28.1% |
| New Jersey | $1,258 | $132 | 11.7% |
| New Mexico | $994 | -$132 | -11.7% |
| New York | $1,184 | $58 | 5.2% |
| North Carolina | $648 | -$478 | -42.5% |
| North Dakota | $922 | -$204 | -18.1% |
| Ohio | $776 | -$350 | -31.1% |
| Oklahoma | $1,152 | $26 | 2.3% |
| Oregon | $1,030 | -$96 | -8.5% |
| Pennsylvania | $1,072 | -$54 | -4.8% |
| Rhode Island | $1,498 | $372 | 33.0% |
| South Carolina | $1,020 | -$106 | -9.4% |
| South Dakota | $950 | -$176 | -15.6% |
| Tennessee | $984 | -$142 | -12.6% |
| Texas | $1,356 | $230 | 20.4% |
| Utah | $834 | -$292 | -25.9% |
| Vermont | $768 | -$358 | -31.8% |
| Virginia | $674 | -$452 | -40.1% |
| Washington | $868 | -$258 | -22.9% |
| West Virginia | $1,032 | -$94 | -8.3% |
| Wisconsin | $776 | -$350 | -31.1% |
| Wyoming | $1,000 | -$126 | -11.2% |
With such a large range in prices, the only way to figure out your exact price is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS-V | $344 | $674 | $384 | $1,538 |
| 2017 Cadillac CTS-V | $318 | $568 | $390 | $1,412 |
| 2016 Cadillac CTS-V | $296 | $522 | $390 | $1,344 |
| 2014 Cadillac CTS-V | $280 | $458 | $402 | $1,276 |
| 2013 Cadillac CTS-V | $258 | $424 | $402 | $1,220 |
| 2012 Cadillac CTS-V | $252 | $386 | $406 | $1,180 |
| 2011 Cadillac CTS-V | $234 | $354 | $402 | $1,126 |
| 2010 Cadillac CTS-V | $220 | $320 | $402 | $1,078 |
Rates are averaged for all Cadillac CTS-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Cadillac CTS-V Insurance
Finding better rates on insurance for a Cadillac CTS-V takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a summary of the material that was covered above.
- Insureds who may need higher levels of liability will pay about $440 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are expensive to insure, with premiums being up to $356 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,300 more every year for auto insurance
- Increasing policy deductibles could save as much as $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,270 |
| 20 | $2,566 |
| 30 | $1,164 |
| 40 | $1,126 |
| 50 | $1,028 |
| 60 | $1,008 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,264 |
| $500 | $1,126 |
| $1,000 | $992 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,126 |
| 50/100 | $1,206 |
| 100/300 | $1,307 |
| 250/500 | $1,568 |
| 100 CSL | $1,247 |
| 300 CSL | $1,468 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,074 |
| 20 | $4,088 |
| 30 | $2,466 |
| 40 | $2,424 |
| 50 | $2,310 |
| 60 | $2,290 |
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 | $59 |
| Multi-vehicle | $59 |
| Homeowner | $18 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $47 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $464 |
Discounts are estimated and may not be available from every company or in every state.
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