Best Cadillac CTS Car Insurance in 2025 (Compare the Top 10 Companies)
State Farm, Geico, and Progressive offer the best Cadillac CTS car insurance, with rates starting at $70/month. State Farm excels in customer service, Geico provides competitive rates, and Progressive offers flexible coverage options, making them top choices for Cadillac CTS owners.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Luke Williams
Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Written by
Luke Williams
Luke Williams
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Reviewed by
Kristen Gryglik
Kristen Gryglik
Updated August 2025
Top Pick for Cadillac CTS: State Farm
18,155 reviewsCompany Facts
Full Coverage for Cadillac CTS
$175/moA.M. Best Rating
BComplaint Level
LowPros & Cons
18,155 reviewsBest Cadillac CTS Rates: Geico
19,116 reviewsCompany Facts
Full Coverage for Cadillac CTS
$170/moA.M. Best Rating
A++Complaint Level
LowPros & Cons
19,116 reviewsBest Cadillac CTS Coverage: Progressive
13,283 reviewsCompany Facts
Full Coverage for Cadillac CTS
$180/moA.M. Best Rating
A+Complaint Level
LowPros & Cons
13,283 reviews
Our Top 10 Company Picks: Best Cadillac CTS Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Customer Service State Farm
#2 15% A++ Competitive Rates Geico
#3 10% A+ Flexible Coverage Progressive
#4 12% A+ Comprehensive Coverage Allstate
#5 10% A++ Military Benefits USAA
#6 12% A Accident Forgiveness Liberty Mutual
#7 20% A+ Reliable Coverage Nationwide
#8 8% A++ IntelliDrive Discounts Travelers
#9 15% A+ Customer Satisfaction Amica
#10 10% A+ Tailored Coverage Farmers
Compare RatesStart Now →
You can start comparing quotes for Cadillac CTS car insurance rates from some of the best car insurance companies by using our free online tool now.
Here's What You Need to Know
- Find the best Cadillac CTS car insurance with tailored coverage and top rates
- Explore top providers offering comprehensive plans to meet your specific needs
- State Farm offers the best rates for Cadillac CTS insurance, starting at $70/month
#1 – State Farm: Best for Customer Service
Pros
- Strong Customer Service: State Farm excels in providing reliable customer service for Cadillac CTS insurance, making it easier for owners to manage claims and policy issues efficiently. Enhance your knowledge by reading our “State Farm car insurance review.”
- Broad Agent Network: With a large network of agents, State Farm offers Cadillac CTS owners personalized service, ensuring they have access to local experts for their insurance needs.
- Multi-Policy Discounts: Cadillac CTS owners can benefit from significant savings with State Farm’s 17% multi-policy discount, which helps reduce overall insurance costs when bundling policies.
Cons
- Average Financial Strength: With a B rating from A.M. Best, State Farm’s financial strength is not as robust as some competitors, which may concern Cadillac CTS owners looking for the most secure insurance option.
- Potentially Higher Premiums: State Farm’s focus on customer service might lead to higher premiums for Cadillac CTS insurance compared to other providers with more competitive rates.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#2 – Geico: Best for Competitive Rates
Pros
- Highly Competitive Rates: Geico offers some of the most competitive rates for Cadillac CTS insurance, making it an attractive option for cost-conscious owners. Look at our “Geico car insurance review” for expanded insights.
- Strong Financial Stability: With an A++ rating from A.M. Best, Geico provides Cadillac CTS owners with confidence in their insurer’s financial strength and ability to pay claims.
- Easy Online Management: Geico’s user-friendly online platform allows Cadillac CTS owners to easily manage their insurance policies, file claims, and access documents.
Cons
- Limited Local Agents: Geico’s limited agent network might be a drawback for Cadillac CTS owners who prefer face-to-face interactions for their insurance needs.
- Fewer Customization Options: Geico’s policies for Cadillac CTS insurance may offer fewer customization options compared to competitors, which could limit the ability to tailor coverage.
#3 – Progressive: Best for Flexible Coverage
Pros
- Flexibility in Coverage: Cadillac CTS owners may tailor their insurance policy to meet their specific needs with the flexibility in coverage options that Progressive provides. Get a better grasp by checking out our article titled “Progressive car insurance discounts.”
- Innovative Discounts: Cadillac CTS owners can take advantage of Progressive’s unique discounts, such as Snapshot, to potentially lower their insurance premiums based on driving behavior.
- Strong Financial Backing: With an A+ rating from A.M. Best, Progressive provides Cadillac CTS owners with a reliable and financially stable insurance partner.
Cons
- Usage-Based Insurance May Vary: Progressive’s Snapshot program, while beneficial for some, may result in inconsistent savings for Cadillac CTS owners, depending on individual driving habits.
- Elevated Premiums for High-Risk Drivers: Progressive may charge you more than other insurance companies for Cadillac CTS drivers with a spotty driving history.
#4 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Allstate provides Cadillac CTS owners with extensive coverage options, ensuring they have protection tailored to their specific needs. Expand your understanding with our article called “Allstate car insurance review.”
- Strong Financial Stability: With an A+ rating from A.M. Best, Cadillac CTS owners have assurance about the company’s capacity to pay its debts.
- Exclusive Perks and Features: Cadillac CTS owners can benefit from Allstate’s unique perks, such as the Claim Satisfaction Guarantee, which enhances the overall insurance experience.
Cons
- Higher Premiums: Allstate’s comprehensive coverage options for Cadillac CTS insurance often come with higher premiums, which might not suit budget-conscious owners.
- Limited Availability of Discounts: Cadillac CTS owners may find that Allstate offers fewer discounts compared to competitors, limiting potential savings on insurance premiums.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#5 – USAA: Best for Military Benefits
Pros
- Advantages Exclusive to Military Personnel: USAA provides Cadillac CTS owners who are serving in the armed forces, together with their families, with special insurance advantages that include customized coverage and savings. Discover what lies beyond with our “USAA car insurance discounts.”
- Exceptional Financial Strength: With an A++ rating from A.M. Best, owners of Cadillac CTS vehicles may have unparalleled assurance in the financial stability of their insurance thanks to USAA.
- Excellent Customer Service: Cadillac CTS owners may get timely and helpful assistance with their insurance requirements from USAA, which often receives top marks for customer service.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, which limits its accessibility for many Cadillac CTS owners.
- Fewer Local Agents: Cadillac CTS owners may find USAA’s lack of physical branches or agents less convenient compared to other insurers with more widespread local presence.
#6 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Liberty Mutual’s accident forgiveness feature ensures Cadillac CTS owners don’t see a rate increase after their first accident, providing peace of mind.
- Customizable Coverage Options: Cadillac CTS owners can tailor their Liberty Mutual insurance policies to fit their specific needs, ensuring comprehensive protection.
- Competitive Discounts: Liberty Mutual offers a variety of discounts for Cadillac CTS insurance, including savings for safe driving and bundling policies. Gain deeper understanding through our article entitled “Liberty Mutual car insurance discounts.”
Cons
- Moderate Financial Strength: Liberty Mutual holds an A rating from A.M. Best, which, while strong, is not as high as some competitors, potentially raising concerns for Cadillac CTS owners.
- Mixed Customer Service Reviews: Cadillac CTS owners might find Liberty Mutual’s customer service experiences vary, with some reporting dissatisfaction in claim handling.
#7 – Nationwide: Best for Reliable Coverage
Pros
- Reliable Coverage: Nationwide provides Cadillac CTS owners with dependable coverage options, ensuring comprehensive protection for their vehicles. Find out more by reading our article titled “Nationwide car insurance discounts.“
- Strong Financial Stability: With an A+ rating from A.M. Best, Nationwide offers Cadillac CTS owners confidence in the insurer’s financial reliability and claim-paying ability.
- Generous Multi-Policy Discounts: Cadillac CTS owners can save up to 20% by bundling policies with Nationwide, making it a cost-effective choice for comprehensive insurance.
Cons
- Limited Local Agent Network: Nationwide’s smaller agent network may not be as accessible to Cadillac CTS owners who prefer in-person assistance with their insurance policies.
- Potentially Slower Claims Process: Some Cadillac CTS owners may experience delays in the claims process with Nationwide, affecting overall satisfaction.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#8 – Travelers: Best for IntelliDrive Discounts
Pros
- IntelliDrive Discounts: Travelers offers Cadillac CTS owners significant savings through its IntelliDrive program, which rewards safe driving habits with lower premiums. Broaden your knowledge with our article named “Travelers car insurance review.”
- Financial Strength: With an A++ rating from A.M. Best, Travelers provides Cadillac CTS owners with confidence in the company’s financial stability and claim-paying ability.
- Customizable Coverage: Cadillac CTS owners can tailor their Travelers insurance policies to fit their specific needs, ensuring they receive the protection that suits their lifestyle.
Cons
- Limited Coverage Availability: Cadillac CTS owners might find that Travelers’ coverage options are not as comprehensive or widely available as those offered by some competitors.
- Strict IntelliDrive Requirements: The IntelliDrive program’s strict requirements may not be suitable for all Cadillac CTS owners, potentially limiting the discount’s appeal.
#9 – Amica: Best for Customer Satisfaction
Pros
- Top Customer Satisfaction: Amica is known for its exceptional customer satisfaction, providing Cadillac CTS owners with reliable and responsive insurance service. Explore further with our article entitled “Car insurance discounts.”
- Strong Financial Stability: With an A+ rating from A.M. Best, Amica offers Cadillac CTS owners confidence in their insurer’s financial strength and ability to pay claims.
- Comprehensive Coverage Options: Cadillac CTS owners can benefit from Amica’s extensive coverage options, ensuring they have the protection they need for their vehicles.
Cons
- Limited Discount Opportunities: Amica may offer fewer discount opportunities for Cadillac CTS insurance compared to other providers, which could impact overall cost savings.
- Higher Premiums: Cadillac CTS owners might find Amica’s insurance premiums higher than those of competitors, especially when looking for budget-friendly options.
#10 – Farmers: Best for Tailored Coverage
Pros
- Tailored Coverage Options: Farmers offers Cadillac CTS owners the ability to customize their insurance policies to fit their specific needs, providing tailored coverage. Gain insights by reading our article titled “Farmers Car Insurance Review.”
- Strong Financial Backing: With an A+ rating from A.M. Best, Farmers provides Cadillac CTS owners with confidence in the insurer’s financial stability and reliability.Farmers
- Unique Discounts: Cadillac CTS owners can take advantage of Farmers’ unique discount programs, such as the Signal app, to reduce insurance costs based on driving behavior.
Cons
- Average Customer Service: Farmers’ customer service experience may not be as high-rated as competitors, which could be a drawback for Cadillac CTS owners who prioritize support.
- Higher Premiums for Younger Drivers: Cadillac CTS owners, particularly younger drivers, might find Farmers’ insurance premiums higher than those offered by other providers.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cadillac CTS Car Insurance: Monthly Rates by Coverage Level & Provider
Finding the right car insurance for your Cadillac CTS is essential to protect your investment without overpaying. Here’s a breakdown of monthly rates for minimum and full coverage from top providers like Geico, USAA, and State Farm.
State Farm consistently provides the best rates and coverage for Cadillac CTS owners.
Whether you’re looking for basic coverage or comprehensive protection, compare these options to find the best fit for your needs.
Cadillac CTS Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $78 $185
Amica $73 $172
Farmers $76 $180
Geico $72 $170
Liberty Mutual $77 $190
Nationwide $76 $180
Progressive $74 $180
State Farm $75 $175
Travelers $75 $175
USAA $70 $165
Compare RatesStart Now →
Cadillac CTS Insurance Cost
On average, insuring a Cadillac CTS costs about $1,502 per year or $125 per month. However, rates can vary significantly based on factors like deductible choices, driving history, and the age of the driver. Whether you’re a high-risk driver or insuring a teen, understanding how these variables affect your premiums is crucial.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Factors That Influence Cadillac CTS Insurance Costs
Age of the Vehicle
The age of your Cadillac CTS plays a significant role in determining your insurance costs. Older models generally come with lower premiums due to their reduced value and lower repair costs. Understanding how insurance costs vary by model year can help you make informed decisions about coverage.
State Farm stands out as the best choice for Cadillac CTS insurance with its unmatched customer service and comprehensive coverage options.
Tim Bain Licensed Insurance Agent
Driver Age
Driver age is a key factor in determining Cadillac CTS insurance premiums, with younger drivers typically facing higher costs. Age-related risk factors contribute to these variations, making it essential to understand how your age may affect your insurance rates.
State Farm leads the pack for Cadillac CTS insurance with its superior customer service and comprehensive coverage options
By recognizing how age influences insurance costs, you can better navigate your options and find the coverage that best suits your needs at any stage of life.
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 car insurance with violations on their driving record. By understanding the impact of your driving history, you can take steps to lower your premiums and secure the best possible rates for your Cadillac CTS insurance.
Cadillac CTS Safety Ratings
The safety ratings of your Cadillac CTS have a direct impact on your auto insurance premiums. Higher safety scores often lead to lower rates, as they reflect the vehicle’s ability to protect occupants in various crash scenarios. By considering your Cadillac CTS’s safety performance, you can make informed decisions about your coverage, ensuring you get the best value while staying protected on the road.
Cadillac CTS Crash Test Ratings
Not only do good Cadillac CTS crash test ratings mean you are better protected in a crash, but good Cadillac CTS crash ratings also mean cheaper insurance rates.
Cadillac CTS Safety Features
The Cadillac CTS safety features can help lower insurance costs. According to AutoBlog, the 2019 Cadillac CTS has the following safety features:
How to Save on Cadillac CTS Insurance
There are several ways you can save even more on your Cadillac CTS car insurance rates. Take a look at the following five tips:
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.
Top Cadillac CTS Car Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $65.6 million | 9% |
| #2 | Geico | $46.1 million | 6% |
| #3 | Progressive | $39.2 million | 6% |
| #4 | Allstate | $35.6 million | 5% |
| #5 | Liberty Mutual | $35 million | 5% |
| #6 | Travelers | $28 million | 4% |
| #7 | USAA | $23.5 million | 3% |
| #8 | Chubb | $23.4 million | 3% |
| #9 | Farmers | $20.6 million | 3% |
| #10 | Nationwide | $18.4 million | 3% |
Compare RatesStart Now →
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Compare Free Cadillac CTS Insurance Quotes Online
The Cadillac CTS is a sporty sedan that was introduced by General Motors in 2002. It is a mid-size luxury car and comes in the following three different body styles:
- Coupe
- Sedan
- Sport wagon
Insurance costs for your Cadillac CTS will vary based on the model as well as your own personal profile, driving record, and your location.
Below is a list of the CTS Cadillac cars that you can own:
- CTS Sport Sedan – $35,165 to $53,970
- CTS-V Sedan – $63,465 to $72,125
- CTS Coupe – $38,165 to $50,210
- CTS-V Coupe – $63,465 to $71,675
- CTS Sport Wagon – $38,265 to $52,940
- CTS-V Sport Wagon – $63,465 to $72,010
Obviously, there is a wide range of pricing and options for the Cadillac CTS. The more money you spend on your car, the higher your insurance is going to be, especially if you buy comprehensive car insurance.
You will have to buy liability insurance in order to satisfy your state’s requirements which usually is not enough to protect your investment. You need to consider purchasing collision and comprehensive car insurance as well for your new Cadillac CTS.
- Collision car insurance – protects you if you are at fault for an accident and your car gets damaged
- Comprehensive car insurance – covers every other type of damage your car may incur, including theft
Without collision and comprehensive car insurance you are very vulnerable to a host of possible incidents. Liability only pays for damages to a third party driver, so unless your car is struck by someone else, you are not covered without total car insurance
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Ways to Lower Your Cadillac CTS Insurance Premiums
Car insurance is based on quite a few different elements. Before you buy a new car, you should request quotes for insurance to find out how much you can expect to pay. Insurance quotes are determined by your personal profile, such as your:
- Age
- Gender
- Residence
- Marital status
- Credit history
However, your insurance rate is going to change based on the make and model car you plan on insuring. The Cadillac CTS is a luxury car that is going to cost more to insure than a small-size economy car. Before purchasing, get insurance quotes to find out if you can truly afford the CTS. Here are some tips to help reduce those car insurance premiums:
- Request various discounts from your car insurance company
- Find out how much you can save by combining several policies
- Ask if you qualify for a reduction in rate if your car is garage kept
- Explain any safety and security features that are installed in the car
Of course, keeping an impeccable driving record and raising your credit score can also help you score a lower insurance rate.
Compare the cost of premiums from one insurance company to the next and factor in any discounts you will get so you know who is giving you the cheapest car insurance for your Cadillac CTS. Find out more by reading our “Finding Free Car Insurance Quotes Online“
Enter your ZIP code now to start getting car insurance quotes to find the best policy for your Cadillac CTS.
Frequently Asked Questions
How are Cadillac CTS car insurance rates determined?
Cadillac CTS car insurance rates are determined by several factors, including the driver’s age, driving record, location, credit score, the model year of the vehicle, safety features, and the chosen coverage options. Insurance companies also consider the cost of repairs and the likelihood of theft or accidents associated with the Cadillac CTS model.
For a comprehensive understanding, consult our article titled “Best Cadillac Car Insurance Rates.”
Are Cadillac CTS car insurance rates higher than average?
Cadillac CTS car insurance rates can vary depending on the specific factors mentioned earlier. While rates can be influenced by the car’s luxury status and potentially higher repair costs, it’s important to compare quotes from different insurance providers to find the best rate available to you.
What are some ways to lower Cadillac CTS car insurance rates?
There are several strategies you can use to potentially lower your Cadillac CTS car insurance rates. These include maintaining a good driving record, taking advantage of available discounts (such as safe driver discounts, bundling policies, or installing anti-theft devices), selecting a higher deductible, and comparing quotes from multiple insurance providers.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Does the age of the Cadillac CTS affect insurance rates?
Yes, the age of the Cadillac CTS can impact insurance rates. Generally, newer models may have higher insurance rates due to higher repair costs and replacement value. As the vehicle gets older, rates may decrease, as long as it maintains a good safety rating and is not prone to theft.
Can I get specific insurance quotes for a Cadillac CTS?
Yes, you can obtain specific insurance quotes for a Cadillac CTS by reaching out to various insurance companies or using online comparison tools. By providing the necessary information about your vehicle and personal details, you can receive customized quotes based on your specific situation.
Enhance your knowledge by reading our “Best Cadillac STS Car Insurance.”
Are there any specific Cadillac CTS features that can impact insurance rates?
Yes, certain features on the Cadillac CTS can impact insurance rates. Safety features like anti-lock brakes, airbags, electronic stability control, and advanced driver assistance systems may lead to lower rates. Additionally, features that make the vehicle more susceptible to theft, such as a lack of anti-theft devices, may increase insurance costs.
How do I find the cheapest Cadillac CTS insurance?
To find the cheapest Cadillac CTS insurance, compare quotes from multiple insurers, take advantage of discounts, maintain a clean driving record, and consider raising your deductible.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.
What’s the best way to compare Cadillac CTS insurance quotes?
The best way to compare Cadillac CTS insurance quotes is by using online comparison tools, ensuring you compare similar coverage levels and deductibles across different insurers.
How does credit score affect Cadillac CTS insurance costs?
A higher credit score can lead to lower Cadillac CTS insurance costs as insurers often view it as a sign of responsible financial behavior, which correlates with lower risk.
Uncover more by delving into our article entitled “Best Cadillac XLR Car Insurance.”
Are there any specific insurance policies recommended for Cadillac CTS?
Insurance policies that offer comprehensive coverage, collision, and liability are generally recommended for Cadillac CTS owners to protect their luxury vehicle adequately.
Does USAA offer benefits for military members with Cadillac CTS insurance?
How do Cadillac CTS crash test ratings affect insurance rates?
What’s the best insurance coverage for a Cadillac CTS used for commuting?
Are there any special coverage options for Cadillac CTS owners?
How does the age of my Cadillac CTS affect my insurance premium?
Can I get Cadillac CTS insurance with a DUI on my record?
How do I lower my Cadillac CTS insurance premium?
What should I consider when choosing an insurance company for my Cadillac CTS?
Does Nationwide offer reliable coverage for Cadillac CTS?
How do Cadillac CTS insurance rates compare by state?
Is Cadillac CTS insurance cheaper with a clean driving record?
What impact do mileage and usage have on Cadillac CTS insurance rates?
How do I find the best insurance discounts for my Cadillac CTS?
Does the Cadillac CTS qualify for any eco-friendly insurance discounts?
What’s the best coverage for a Cadillac CTS in an area prone to natural disasters?
Can I insure my Cadillac CTS for agreed value instead of actual cash value?
Related Articles
-
Sep 2024
Best Infiniti G35 Car Insurance in 2025 (Find the Top 10 Companies Here)
-
Sep 2024
Best Chevrolet Aveo Car Insurance in 2025 (Your Guide to the Top 10 Companies)
-
Aug 2024
Best Volvo S60 Car Insurance in 2025 (Check Out These 10 Companies)
-
Jan 2024
Compare Honda vs. Ford Car Insurance Rates [2025]
-
Nov 2024
Best Kia Sorento Car Insurance in 2025 (Compare the Top 10 Companies)
-
Nov 2024
Best Dodge Caliber Car Insurance in 2025 (Check Out the Top 10 Companies)
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
