- 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
Best Cadillac CTS Car Insurance in 2024
Insurance rates for a Cadillac CTS average $1,502 a year, or around $125 a month. Finding Cadillac CTS teenager insurance coverage can cost on average $5,490 a year, so shop around to find cheap rates.
UPDATED: Jul 29, 2024Fact Checked
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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,...
Licensed Insurance Agent
UPDATED: Jul 29, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 29, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
UPDATED: Jul 29, 2024Fact Checked
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 car insurance rates cost an average of $125 per month, or $1,502 a year. There are several determining factors that play a part in an individual’s Cadillac CTS rates, such as the age of both the vehicle and driver. In order to figure out what Cadillac CTS insurance rates will look like for you, take a look through this easy-to-follow guide to get a better idea.
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.
Cadillac CTS Insurance Cost
The average Cadillac CTS car insurance rates 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 Honda Accord, Toyota Avalon, and Subaru Impreza.
Read More: Compare Cadillac Car Insurance Rates
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Honda Accord | $280 | $500 | $372 | $1,310 |
| Toyota Avalon | $320 | $536 | $338 | $1,330 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
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However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
Read More: Compare Chrysler Car Insurance Rates
What Impacts the Cost of Cadillac CTS Insurance?
Even though the average annual rate for the Cadillac CTS is $1,502, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Cadillac CTS.
Age of the Vehicle
Older Cadillac CTS models generally cost less to insure. For example, auto insurance rates for a 2018 Cadillac CTS are $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 |
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Driver Age
Driver age can have a significant impact on the cost of Cadillac CTS auto insurance. For example, 20-year-old drivers pay as much as $1,903 more each year for their Cadillac CTS auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Cadillac CTS insurance rates. For example, drivers in New York may pay $390 a year more than drivers in Chicago.
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.
Cadillac CTS Safety Ratings
Your Cadillac CTS auto insurance rates are tied to the Cadillac CTS’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Marginal |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
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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.
| 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 | ||||
|---|---|---|---|---|
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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:
Cadillac CTS Insurance Loss Probability
The Cadillac CTS’s insurance loss probability varies between different coverage types. The lower percentage means lower Cadillac CTS auto insurance costs; higher percentages mean higher Cadillac CTS auto insurance costs.
| 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 | |
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Cadillac CTS Finance and Insurance Cost
If you are financing a Cadillac CTS, most lenders will require your carry higher Cadillac CTS coverages including comprehensive coverage, so be sure to compare Cadillac CTS car insurance rates from the best companies using our FREE tool below.
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Ways 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:
- Carpool to Work Instead of Driving Your Cadillac CTS
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Use Paperless Billing for Your Cadillac CTS Insurance Policy
- Use an Accurate Job Title When Requesting Cadillac CTS Auto Insurance
- Remove Young Drivers from Your Cadillac CTS Insurance When They Move Out or Go to School
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 | |||
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Compare Free Cadillac CTS Insurance Quotes Online
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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
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What are the types of Cadillac CTS?
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.
How do I find car insurance for a Cadillac CTS?
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
How do I reduce the premiums on Cadillac CTS insurance?
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.
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How do I Compare Insurance Rates for a Cadillac CTS?
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.
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.
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.
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.
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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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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,...
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.