Cadillac CTS Insurance Rates [Rates + Comparison Guide]
Average auto insurance rates for a Cadillac CTS cost $1,502 a year, or around $125 a month. Comprehensive, collision, and liability insurance cost around $366, $534, and $424, respectively.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Jul 18, 2021
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 18, 2021
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.
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Key takeaways:
- Full coverage costs around $1,502 a year or $125 each month
- A liability-only policy costs around $602 a year or $50 each month
- Highest rates are for teenage drivers at around $5,490 a year or $458 each month
- Good drivers can save as much as $619 a year by earning policy discounts
- Cadillac CTS insurance costs around $17 less per year than the average vehicle
Cadillac CTS insurance rates cost $125 per month or $1,502 per year. You can save up to $619 per year if you’re a good driver. Cadilac CTS insurance rates for teens is $458 per month. Read more to learn how you can save money on Cadillac CTS auto insurance.
You can start comparing quotes for Cadillac CTS auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Cadillac CTS Insurance Cost
The average Cadillac CTS auto insurance costs are $1,502 a year or $125 a month.
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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.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Audi A3 | $282 | $566 | $398 | $1,404 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Nissan Altima | $306 | $570 | $390 | $1,424 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
What Impacts the Cost of Cadillac CTS Insurance?
The Cadillac CTS trim and model you choose can impact the total price you will pay for Cadillac CTS insurance coverage.
Age of the Vehicle
The average Cadillac CTS auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Cadillac CTS cost $1,502, while 2010 Cadillac CTS rates are $1,228, a difference of $274.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Cadillac CTS | $320 | $626 | $398 | $1,502 |
| 2017 Cadillac CTS | $308 | $610 | $416 | $1,492 |
| 2016 Cadillac CTS | $298 | $586 | $430 | $1,472 |
| 2015 Cadillac CTS | $282 | $564 | $442 | $1,446 |
| 2014 Cadillac CTS | $270 | $524 | $452 | $1,404 |
| 2013 Cadillac CTS | $260 | $494 | $456 | $1,368 |
| 2012 Cadillac CTS | $248 | $442 | $460 | $1,308 |
| 2011 Cadillac CTS | $232 | $408 | $460 | $1,258 |
| 2010 Cadillac CTS | $224 | $382 | $464 | $1,228 |
Driver Age
Driver age can have a significant effect on Cadillac CTS auto insurance rates. For example, 20-year-old drivers pay $1,837 more for their Cadillac CTS auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Cadillac CTS insurance rates. For example, drivers in Los Angeles may pay $826 a year more than drivers in Phoenix.
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 Safety Ratings
Your Cadillac CTS auto insurance rates are tied to the safety ratings of the Cadillac CTS. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | M |
|---|---|
| Small overlap front: passenger-side | N/A |
| Moderate overlap front | G |
| Side | G |
| Roof strength | G |
| Head restraints and seats | G |
| Source: Insurance Institute for Highway Safety | |
Cadillac CTS Crash Test Ratings
Cadillac CTS crash test ratings will affect your Cadillac CTS auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 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-V 4 DR RWD | N/R | N/R | 5 stars | 5 stars |
| 2016 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
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:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Front Tow Hooks
- Traction Control
- Emergency Trunk Release
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.
| Insurance Coverage Category | Loss Rate |
| Collision | 23% |
|---|---|
| Property Damage | -28% |
| Comprehensive | 18% |
| Personal Injury | -27% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Cadillac CTS Finance and Insurance Cost
If you are financing a Cadillac CTS, you will pay more if you purchase Cadillac CTS auto insurance at the dealership, so be sure to shop around and compare Cadillac CTS auto insurance quotes from the best companies using our FREE tool below.
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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
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 CTS 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.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Cadillac CTS Insurance Quotes Online
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|