Cadillac CTS Insurance Rates
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UPDATED: Jun 2, 2023
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How much is insurance on a Cadillac CTS compared to other vehicles? Cadillac CTS insurance rates average $1,510 a year, or $125 a month. While the Cadillac average price of insurance may vary slightly by model year, such as 2005 versus 2006 CTS insurance costs, the rates should be around $1,510.
To start saving on the insurance cost of a Cadillac CTS in your area, enter your ZIP code in our free rate comparison tool above.
U.S. average insurance rates for a Cadillac CTS are $1,404 a year for full coverage. Comprehensive costs an estimated $270 a year, collision costs $524, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $3,056. Teen drivers pay the highest rates at $5,338 a year or more.
Average premium for full coverage: $1,404
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and CTS trim levels.
Price Range from Low to High
For a driver in their 40's, Cadillac CTS insurance prices go from the low end price of $504 for liability-only coverage to a high of $3,056 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
The ranges above show why it is important to compare prices for a targeted area, rather than using 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 Charts and Tables
The chart below shows estimated Cadillac CTS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $802
- Using higher $1,000 deductibles will save approximately $1,224 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,404
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,756
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,056 or more
- The price that insures a teenage driver can cost as much as $5,338 or more
Insurance prices for a Cadillac CTS are also quite variable based on the trim level of your CTS, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age
The state you live in has a huge impact on Cadillac CTS insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,270 | -$134 | -9.5% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,164 | -$240 | -17.1% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,588 | $184 | 13.1% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $950 | -$454 | -32.3% |
| Illinois | $1,046 | -$358 | -25.5% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $946 | -$458 | -32.6% |
| Kansas | $1,334 | -$70 | -5.0% |
| Kentucky | $1,916 | $512 | 36.5% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $866 | -$538 | -38.3% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,440 | $1,036 | 73.8% |
| Minnesota | $1,174 | -$230 | -16.4% |
| Mississippi | $1,682 | $278 | 19.8% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,508 | $104 | 7.4% |
| Nebraska | $1,108 | -$296 | -21.1% |
| Nevada | $1,684 | $280 | 19.9% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,244 | -$160 | -11.4% |
| New York | $1,478 | $74 | 5.3% |
| North Carolina | $810 | -$594 | -42.3% |
| North Dakota | $1,150 | -$254 | -18.1% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,442 | $38 | 2.7% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$64 | -4.6% |
| Rhode Island | $1,872 | $468 | 33.3% |
| South Carolina | $1,272 | -$132 | -9.4% |
| South Dakota | $1,184 | -$220 | -15.7% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,694 | $290 | 20.7% |
| Utah | $1,040 | -$364 | -25.9% |
| Vermont | $960 | -$444 | -31.6% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,084 | -$320 | -22.8% |
| West Virginia | $1,286 | -$118 | -8.4% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Choosing high deductibles could cut prices by as much as $540 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac CTS AWD | $1,370 | $114 |
| Cadillac CTS | $1,370 | $114 |
| Cadillac CTS Luxury AWD | $1,404 | $117 |
| Cadillac CTS Performance AWD | $1,404 | $117 |
| Cadillac CTS Luxury | $1,404 | $117 |
| Cadillac CTS Performance | $1,404 | $117 |
| Cadillac CTS Sport | $1,404 | $117 |
| Cadillac CTS Premium | $1,440 | $120 |
| Cadillac CTS Premium AWD | $1,476 | $123 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac CTS | $282 | $564 | $442 | $1,446 |
| 2018 Cadillac CTS | $270 | $524 | $452 | $1,404 |
| 2017 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2016 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2015 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2014 Cadillac CTS | $224 | $382 | $464 | $1,228 |
| 2013 Cadillac CTS | $220 | $356 | $474 | $1,208 |
| 2012 Cadillac CTS | $202 | $330 | $474 | $1,164 |
| 2011 Cadillac CTS | $198 | $300 | $478 | $1,134 |
| 2010 Cadillac CTS | $184 | $274 | $474 | $1,090 |
| 2009 Cadillac CTS | $174 | $250 | $474 | $1,056 |
| 2008 Cadillac CTS | $168 | $224 | $468 | $1,018 |
| 2007 Cadillac CTS | $166 | $218 | $460 | $1,002 |
| 2006 Cadillac CTS | $162 | $208 | $452 | $980 |
| 2005 Cadillac CTS | $148 | $198 | $446 | $950 |
| 2004 Cadillac CTS | $144 | $188 | $442 | $932 |
Rates are averaged for all Cadillac CTS 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 CTS Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around every year by requesting rates from direct carriers, and also from your local independent and exclusive agents.
Below is a brief recap of the coverage data covered in the charts and tables above.
- Drivers can save approximately $170 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $525 each year
- Teenage drivers are expensive to insure, with premiums as much as $445 a month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may pay on average $1,650 more annually for auto insurance
The best way to save on Cadillac CTS costs is to shop around for quotes. It can help you find the best rates for your model year, from how much does a 2010 Cadillac CTS cost to 2014 Cadillac insurance rates.
Enter your ZIP code in our free rate comparison tool below to find the best Cadillac CTS insurance costs.
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What are the safety ratings of the Cadillac CTS?
Do the Cadillac CTS have a lot of problems? Is the Cadillac CTS a reliable car? These are the questions insurers will ask when they look at Cadillac CTS safety ratings and features. The Cadillac CTS does have some great standard safety features, such as teen driver settings (set speed and audio), rear parking sensors, and a rearview camera.
Take a look below at the Insurance Institute for Highway Safety’s (IIHS) crash test ratings of the Cadillac CTS.
- Small overlap front (driver-side): Marginal
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The video below demonstrates one of the IIHS’s crash tests.
Cadillac CTS Compared Against Other Vehicles in the Same Class
The Cadillac CTS is a large luxury car, which usually have higher liability rates. However, the IIHS found that the Cadillac CTS’s liability losses are better than average, so rates should be lower than other large luxury cars’ rates.
View the list of other large luxury cars below to see how their rates compare to the Cadillac CTS.
Ready to find the best insurance price for a Cadillac CTS? Enter your ZIP code in our free tool to see how much does a Cadillac CTS cost to insure in your area.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,338 |
| 20 | $3,262 |
| 30 | $1,460 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,260 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,592 |
| $500 | $1,404 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,614 |
| 20 | $5,202 |
| 30 | $3,116 |
| 40 | $3,056 |
| 50 | $2,920 |
| 60 | $2,894 |
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 | $76 |
| Homeowner | $22 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $64 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $602 |
Discounts are estimated and may not be available from every company or in every state.
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