Buy Cheap Cadillac Auto Insurance in (2025)

As a brand that is typically considered a luxury brand, Cadillacs can cost a little more to insure than cheaper vehicles, but this doesn’t mean you can’t find cheap Cadillac auto insurance. On average, monthly rates for full coverage policies range from $150 to $190 for different Cadillac models, but you can get cheaper rates by shopping around, applying for discounts, and other saving methods.

Keep reading to learn more about finding cheap Cadillac auto insurance. We cover everything from what coverages you should consider for your Cadillac to ways to buy cheap auto insurance.

Types of Auto Insurance for Cadillacs

Not sure what auto insurance coverage you should get for your Cadillac? You can read our guide on how to buy auto insurance to learn more about what your state requires, but to start, most drivers will need to carry state-mandated liability insurance, so at the very least, you will have to pay for liability car insurance. This is vital coverage, however, as it protects you if you cause an accident by paying for other parties’ medical and property damage bills.

Your state may also require you to carry uninsured and/or underinsured motorist insurance. If the driver who hit you doesn’t have insurance or doesn’t have enough insurance to cover your accident costs completely, these coverages will help pay your bills.

Medical payments (MedPay) or personal injury protection (PIP) coverage may also be required in your state. MedPay helps pay for your and your passenger’s medical bills if you are injured in an accident, regardless of who caused the accident. PIP also helps pay medical bills, but it also covers extras like lost wages and childcare.

Finally, if you have a lease or loan on your Cadillac, your lender will require you to carry comprehensive and collision insurance, even though these coverages are not state-required. This is because these coverages protect the lender’s assets.

For example, collision insurance pays for your car’s repairs if you crash into another car. Comprehensive insurance pays for your car’s repairs if you crash into an animal or your car is damaged by vandalism, weather, or falling objects, so even if you don’t have a loan or lease, these two coverages can be valuable in protecting your Cadillac.

Cadillac Auto Insurance Rates

Now that you know the best Cadillac auto insurance coverages you will need to carry on your Cadillac, let’s take a look at some of the average rates by model for different types of auto insurance coverages. While you might be tempted to go with a liability-only insurance policy as it is the cheapest in the rates we show below, remember that your own car repairs won’t be covered after an accident you cause.

Average Monthly Cadillac Auto Insurance Rates by Model and Coverage Type

One of the more expensive models to insure is the Cadillac Escalade, which can retail for around $100,000 for certain builds. The models that have cheaper average rates are the Cadillac ATS and the Cadillac CTS, both of which have retail prices about half that of the Cadillac Escalade.

The reason rates are cheaper for less expensive Cadillac models is that insurance companies won’t have to pay out as much for repair parts in a claim. More expensive cars will have more expensive parts, which causes the price of insurance to go up to compensate for the potentially expensive claims in the future. Learn how to file an auto insurance claim here.

Other factors that will raise your Cadillac rates, besides which model you own, are your age and driving record. Younger drivers will pay more for insurance due to their driving inexperience, as well as drivers with poor driving records. You can see how rates change based on these factors below.

Average Monthly Cadillac Auto Insurance Rates by Driver Age and Record

Young drivers will see a decrease in auto insurance rates as they age if they keep a clean driving record. They can also participate in discount programs if they are available at their auto insurance company, such as good student discounts or good driver discounts. Read our guide on how to buy cheap auto insurance for young adults for more information on how to save.

Tips for Saving on Cadillac Auto Insurance

If you want to save on your Cadillac auto insurance policy, there are a few things you can try to reduce your rates and get cheap Cadillac auto insurance. Take a look at some tips below for ways to save on your auto insurance policy.

• Make sure you are applying for discounts. There may be auto insurance discounts that you can apply for to get more savings, such as a safe driver discount for participating in a safe driver program.
• Raise your auto insurance deductible. Because you are taking on more financial responsibility, insurance companies will lower your auto insurance rates. However, make sure you keep the deductible at an amount you can pay out of pocket.
• Shop around for quotes at different companies. Shopping around and comparing rates is the best way to ensure you are getting the cheapest possible rate for your Cadillac.

In addition to the tips above, keeping a clean driving record will help keep your Cadillac auto insurance rates low, as your insurance company will categorize you as a low-risk driver.

The Final Word on Cheap Cadillac Auto Insurance

Cadillacs will cost a little more to insure on average than cheaper cars, as Cadillacs are considered luxury cars. The good news is that there are plenty of ways you can reduce your auto insurance rates, from shopping around for quotes to applying for discounts.

If you are ready to jump into comparing auto insurance rates for your Cadillac, use our free quote comparison tool. It will help you compare rates from companies in your area so you can get the best cheap Cadillac auto insurance.