Compare Cadillac CTS Insurance Quotes [Guide + Free Quotes]

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.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 6, 2020

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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 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.

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.

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:

  • 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 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

Save on your Cadillac CTS car insurance rates by taking advantage of our FREE comparison tool.

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

Enter your ZIP code to compare car insurance rates for your Cadillac CTS now!

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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.

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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:

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.

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