Best Cadillac CTS Auto Insurance in 2024 (See Our Top 10 Company Picks)
Amica, Nationwide, and Geico are the top choices for the best Cadillac CTS auto insurance, with rates starting at $85 per month. When considering Cadillac insurance cost, it's important to compare the rates and coverage options from these leading providers to find the best deal for your needs.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Cadillac CTS
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Cadillac CTS
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Cadillac CTS
A.M. Best Rating
Complaint Level
Pros & Cons
Amica, Nationwide, and Geico stand out as the top options for the best Cadillac CTS auto insurance, offering rates that begin at $85 per month. When considering types of auto insurance coverage, it’s essential to understand how much is insurance for a Cadillac CTS to ensure you get the best deal on your Cadillac car insurance.
By comparing these options, you can find the most cost-effective and comprehensive insurance plan to protect your vehicle.
Our Top 10 Company Picks: Best Cadillac CTS Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A+ Customer Service Amica
#2 20% A+ Broad Coverage Nationwide
#3 25% A++ Affordable Rates Geico
#4 25% A Member Benefits AAA
#5 25% A+ Claim Process Allstate
#6 8% A++ Flexible Policies Travelers
#7 12% A+ Discount Options Progressive
#8 25% A Comprehensive Plans Liberty Mutual
#9 10% A+ Competitive Pricing Erie
#10 20% B Nationwide Network State Farm
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
- Amica, Nationwide, and Geico offer the best Cadillac CTS auto insurance
- Comprehensive and collision coverage are essential for Cadillac CTS
- Rates start at $85 per month, ensuring affordable Cadillac car insurance
Cadillac CTS Insurance Cost
The average Cadillac CTS auto insurance costs are $1,502 a year or $125 a month. The table below compares monthly rates for minimum and full coverage car insurance for Cadillac CTS from various providers.
Cadillac CTS Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $95 $230
Allstate $100 $240
Amica $85 $210
Erie $78 $185
Geico $70 $180
Liberty Mutual $110 $250
Nationwide $90 $220
Progressive $75 $190
State Farm $82 $205
Travelers $80 $200
Choosing the right insurance provider for your Cadillac CTS can significantly impact your annual costs, with rates varying widely across different companies. By comparing auto insurance quotes, you can find a balance between comprehensive coverage and affordable premiums.
Why Are Cadillac CTSs Expensive to Insure
The chart below details how Cadillac CTS insurance rates compare to other sedans like the Audi A3, Cadillac ATS, and Kia Optima.
Cadillac CTS Auto Insurance Monthly Rates vs. Other Vehicles
Vehicles | Comprehensive | Collision | Minimum Coverage | Full Coverage |
---|---|---|---|---|
Cadillac CTS | $27 | $52 | $33 | $125 |
Audi A3 | $24 | $47 | $33 | $117 |
Cadillac ATS | $25 | $47 | $33 | $118 |
Kia Optima | $27 | $44 | $35 | $121 |
Nissan Altima | $26 | $48 | $33 | $119 |
MINI Hardtop 4 Door | $25 | $47 | $33 | $118 |
Volkswagen Passat | $28 | $50 | $33 | $123 |
The Cadillac CTS tends to have higher insurance costs compared to other sedans due to its higher collision coverage rates. However, by understanding these differences, you can make more informed decisions to manage your insurance expenses effectively.
Factors Impact the Cost of Cadillac CTS Insurance
The cost of insuring a Cadillac CTS can be influenced by several factors. The specific trim and model of the Cadillac CTS you choose significantly affect the total price of insurance coverage.
Newer models or higher trims often come with advanced features and higher repair costs, leading to increased insurance premiums.
Additionally, factors such as the age of the vehicle, driver’s age, location, driving record, and the safety ratings of the Cadillac CTS play crucial roles in determining the overall insurance cost.
Age of the Vehicle
Insurance rates for newer Cadillac CTS models are typically higher than for older ones due to increased repair costs and features.
Cadillac CTS Auto Insurance Monthly Rates by Coverage Type
Model Year | Comprehensive | Collision | Minimum Coverage | Full Coverage |
---|---|---|---|---|
2024 Cadillac CTS | $28 | $53 | $34 | $127 |
2023 Cadillac CTS | $27 | $52 | $33 | $125 |
2022 Cadillac CTS | $26 | $51 | $35 | $124 |
2021 Cadillac CTS | $25 | $49 | $36 | $123 |
2020 Cadillac CTS | $24 | $47 | $37 | $121 |
2019 Cadillac CTS | $23 | $44 | $38 | $117 |
2018 Cadillac CTS | $22 | $41 | $38 | $114 |
2017 Cadillac CTS | $21 | $37 | $38 | $109 |
2016 Cadillac CTS | $19 | $34 | $38 | $105 |
2015 Cadillac CTS | $19 | $32 | $39 | $102 |
Newer models of the Cadillac CTS tend to have higher insurance rates due to their increased repair costs and advanced features. As the vehicle ages, the insurance premiums generally decrease, offering potential savings for owners of older models.
Driver Age
Driver age significantly affects Cadillac CTS auto insurance rates, with younger drivers facing much higher premiums. For instance, a 20-year-old may pay considerably more per month compared to a 30-year-old driver.
Cadillac CTS Auto Insurance Monthly Rates by Age
Age | Rates |
---|---|
Age: 18 | $540 |
Age: 20 | $460 |
Age: 30 | $160 |
Age: 40 | $140 |
Age: 50 | $130 |
Age: 60 | $120 |
Younger drivers typically face higher insurance premiums for the Cadillac CTS due to their increased risk profile. As drivers age, insurance costs generally decrease, reflecting improved driving experience and lower risk.
Driver Location
The location where you live plays a crucial role in determining the insurance rates for your Cadillac CTS. Factors such as local crime rates, population density, and weather conditions can significantly influence the cost of coverage.
Cadillac CTS Auto Insurance Monthly Rates by City
City | Rates |
---|---|
Chicago, IL | $175 |
Columbus, OH | $160 |
Houston, TX | $185 |
Indianapolis, IN | $155 |
Jacksonville, FL | $180 |
Los Angeles, CA | $220 |
New York, NY | $245 |
Philadelphia, PA | $200 |
Phoenix, AZ | $165 |
Seattle, WA | $170 |
Insurance premiums for the Cadillac CTS can vary widely based on geographic location, with urban areas often resulting in higher costs. Understanding these regional differences can help drivers make more informed insurance choices.
Your Driving Record
Your driving record can have an impact on the cost of Cadillac CTS auto insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac CTS auto insurance rates with violations on their driving record.
Cadillac CTS Auto Insurance Monthly Rates by Age & Driving History
Age | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
Age: 18 | $562 | $734 | $900 | $645 |
Age: 20 | $486 | $635 | $780 | $558 |
Age: 30 | $223 | $290 | $355 | $265 |
Age: 40 | $193 | $250 | $310 | $230 |
Age: 50 | $172 | $225 | $278 | $205 |
Age: 60 | $158 | $210 | $260 | $190 |
Driving record significantly affects the cost of Cadillac CTS insurance, with violations leading to substantial premium increases. Maintaining a clean record is essential for keeping insurance costs manageable, especially for younger drivers.
Cadillac CTS Safety Ratings
Your Cadillac CTS auto insurance rates are tied to the safety ratings of the Cadillac CTS. See the breakdown below:
Cadillac CTS Safety Ratings
Type | Rating |
---|---|
Small overlap front: driver-side | Good |
Moderate overlap front | Good |
Side | Good |
Roof strength | Good |
Head restraints and seats | Good |
Cadillac CTS Crash Test Ratings
Cadillac CTS crash test ratings will affect your Cadillac CTS auto insurance rates. The crash test ratings of the Cadillac CTS significantly influence insurance premiums, with higher ratings typically resulting in lower costs.
Vehicle | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2024 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2024 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2024 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2023 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2023 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2023 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2022 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2022 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2022 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2021 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2021 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2021 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2020 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2020 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2020 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2019 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2019 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2019 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2018 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2018 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2018 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2017 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
2017 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
2017 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
2016 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
By choosing models with better safety ratings, owners can benefit from enhanced protection and potential savings on their insurance.
Cadillac CTS Safety Features
Good Cadillac CTS safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Cadillac CTS are:
- Comprehensive airbag system, including driver, passenger, front, and rear side airbags.
- Advanced 4-wheel ABS and disc brakes for enhanced stopping power.
- Electronic stability control and traction control for improved handling.
- Daytime running lights and integrated turn signal mirrors for better visibility.
- Child safety locks and emergency trunk release for added security.
Discover the various auto insurance discounts offered by top providers for Cadillac CTS to help you save on your premiums.
These discounts from top insurance providers for Cadillac CTS offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
Cadillac CTS Insurance Loss Probability
The lower percentage means lower Cadillac CTS auto insurance rates; higher percentages mean higher Cadillac CTS auto insurance rates. Insurance loss probability on the Cadillac CTS fluctuates between each type of coverage.
Cadillac CTS Auto Insurance Loss Probability
Coverage | Loss |
---|---|
Collision | 23% |
Comprehensive | 18% |
Personal Injury | -27% |
Property Damage | -28% |
The loss probability for various coverage types can significantly impact Cadillac CTS insurance rates, with lower loss rates generally leading to reduced premiums. Understanding these probabilities can help owners make informed decisions when selecting coverage options.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cadillac CTS Finance and Insurance Cost
When financing a Cadillac CTS, it’s essential to consider the total cost of ownership, which includes insurance premiums. Purchasing Cadillac CTS auto insurance directly from the dealership often leads to higher rates due to potential markups and limited coverage options.
By shopping around and comparing quotes from multiple providers, you can find more competitive rates and better coverage tailored to your needs.Scott W. Johnson LICENSED INSURANCE AGENT
Utilize our free tool below to explore various insurance options, discounts, and policies that align with your budget. This proactive approach can save you money in the long run and ensure that you’re adequately protected on the road. Always read the fine print and understand the terms before finalizing any insurance agreement to avoid unexpected costs.
5 Ways to Save on Cadillac CTS Insurance
You can save more money on your Cadillac CTS auto insurance rates by employing any of the following five strategies.
- Improve your credit score
- Apply for your full, unrestricted license as soon as you’re eligible
- Take a defensive driving course or any driver’s education course
- Audit your Cadillac CTS driving when you move to a new location or start a new job
- Re-check Cadillac CTS auto insurance quotes every 6 months
By implementing these five strategies, you can effectively reduce your Cadillac CTS insurance costs. Staying proactive about your driving habits and insurance options will help you secure the best rates possible.
Read More: How Credit Scores Affect Auto Insurance Rates
Top Cadillac CTS Insurance Companies
Who is the top auto insurance company for Cadillac CTS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac CTS offers.
Top 10 Cadillac CTS Auto Insurance Providers by Market Share
Rank | Insurance Company | Premiums Written | Market Share |
---|---|---|---|
#1 | State Farm | $65,615,190 | 9.30% |
#2 | Geico | $46,106,971 | 6.60% |
#3 | Progressive | $39,222,879 | 5.60% |
#4 | Liberty Mutual | $35,600,051 | 5.10% |
#5 | Allstate | $35,025,903 | 5.00% |
#6 | Travelers | $28,016,966 | 4.00% |
#7 | USAA | $23,483,080 | 3.30% |
#8 | Chubb | $23,388,385 | 3.30% |
#9 | Farmers | $20,643,559 | 2.90% |
#10 | Nationwide | $18,442,145 | 2.60% |
When selecting an insurance provider for your Cadillac CTS, consider the market share and potential discounts available. Finding the right company can help you maximize savings while ensuring comprehensive coverage.
Understanding the market share of the largest auto insurers can help you make informed decisions about your coverage options. Choosing a well-established company may provide better stability and service for your auto insurance needs.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
Frequently Asked Questions
Should I purchase gap insurance for my Cadillac CTS?
Guaranteed auto protection (gap) insurance is worth considering, especially if you have a loan or lease on your Cadillac CTS. Gap insurance covers the difference between the actual cash value of your vehicle and the remaining balance on your loan or lease in the event of a total loss.
This can be beneficial since the depreciation of a vehicle can outpace its market value, leaving you with potential financial gaps in case of an accident or theft.
How much does insurance for a Cadillac CTS cost?
The cost of insurance for a Cadillac CTS can vary based on various factors, including your location, driving history, age, gender, coverage options, and the specific model and trim of your Cadillac CTS. It’s recommended to get quotes from different insurance providers to compare prices and find the best coverage at a competitive rate.
Use our free comparison tool below to see what auto insurance quotes look like in your area.
Are Cadillac CTS cars expensive to insure?
Insurance rates for Cadillac CTS cars can vary depending on factors such as the model year, trim level, engine size, safety features, and the driver’s personal profile. Generally, higher-end models or newer Cadillac CTS cars may have higher insurance rates due to their higher repair costs. However, it’s best to check with insurance providers for accurate quotes based on your specific circumstances.
What are the typical coverage options for Cadillac CTS auto insurance?
The typical coverage options for Cadillac CTS auto insurance include:
- Liability Coverage: This coverage is mandatory in most states and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Collision Coverage: This coverage helps pay for repairs or replacement of your Cadillac CTS if it’s damaged in a collision, regardless of who is at fault.
- Comprehensive Coverage: This coverage protects your Cadillac CTS against non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient insurance coverage or no insurance at all.
- Personal Injury Protection (PIP): This coverage pays for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault.
Choosing the right coverage options for your Cadillac CTS is crucial for ensuring adequate protection on the road. By understanding these typical coverage types, you can tailor your policy to meet your specific needs and preferences.
Read More: Collision vs. Comprehensive Auto Insurance
How often should I review my Cadillac CTS insurance policy?
It’s advisable to review your insurance policy every six months to ensure you are getting the best coverage at the most competitive rate. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
How can I find the best insurance rates for my Cadillac CTS?
To find the best insurance rates for your Cadillac CTS, consider the following steps:
- Shop Around: Get quotes from multiple insurance providers to compare rates and coverage options.
- Evaluate Coverage Needs: Determine the level of coverage you require based on your budget and circumstances.
- Consider Deductibles: Higher deductibles can lower your premiums, but ensure you can afford the deductible amount if you need to file a claim.
- Check for Discounts: Inquire about available discounts that you may qualify for.
- Review Customer Reviews and Ratings: Consider the reputation and customer service of insurance companies before making a decision.
By following these steps, you can effectively find the best insurance rates for your Cadillac CTS. Taking the time to compare options and seek advice can lead to significant savings and better coverage.
Does the year of my Cadillac CTS affect insurance rates?
Yes, newer Cadillac CTS models generally have higher insurance rates due to their higher value and repair costs. Older models may have lower premiums but may lack certain safety features that insurers consider.
Is it worth comparing insurance quotes for my Cadillac CTS?
Absolutely; comparing quotes allows you to find the best Cadillac CTS auto insurance rates tailored to your needs, potentially saving you significant money.
Are there any discounts available for insuring a Cadillac CTS?
Yes, many insurance companies offer discounts that can reduce the cost of insuring a Cadillac CTS. Common discounts include multi-vehicle and multi-policy discounts for bundling coverage, safe driver discounts for a clean driving record, and safety feature discounts for vehicles equipped with anti-lock brakes and airbags.
Students can also qualify for a good student discount based on their academic performance. Read more details about bundling coverage discounts on our page titled “How to Save Money by Bundling Insurance Policies.”
How do insurance companies assess risk based on gender?
Insurance companies analyze historical claims data, which indicates that certain demographics, including gender, can affect accident rates and therefore impact premium calculations.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.