Best Cadillac CTS Insurance Rates [How to Find Cheap Rates]

The cost of Cadillac CTS auto insurance rates are $1,502 a year, or around $125 a month on average. On average, Cadillac CTS comprehensive insurance coverage costs $366, collision coverage costs $534, and liability coverage costs $424.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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

Do you need help finding cheap Cadillac CTS insurance rates? Full coverage for a Cadillac CTS costs around $1,502 a year or $125 each month. Learn how to save on insurance rates for a Cadillac CTS in our comprehensive guide.

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 auto insurance rates for a Cadillac CTS cost $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 MINI Hardtop 4 Door, Mazda 3, and Audi S4.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS $320 $626 $398 $1,502
MINI Hardtop 4 Door $294 $566 $398 $1,416
Mazda 3 $308 $562 $372 $1,400
Audi S4 $370 $744 $338 $1,588
Subaru Impreza $320 $542 $390 $1,410
Honda Civic $280 $656 $420 $1,536
Audi S3 $356 $744 $264 $1,474
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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?

The Cadillac CTS trim and model you choose will affect the total price you will pay for Cadillac CTS insurance coverage.

Age of the Vehicle

Older Cadillac CTS models generally cost less to insure. For example, car 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 Cadillac CTS auto insurance rates. For example, 20-year-old drivers pay approximately $1,837 more each year for their Cadillac CTS auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac CTS insurance rates. For example, drivers in Houston may pay $1,107 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Cadillac CTS car 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

The Cadillac CTS’s safety ratings will affect your Cadillac CTS car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
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

Good Cadillac CTS crash test ratings mean the VW is safer, which could mean cheaper Cadillac CTS car 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 more safety features you have on your Cadillac CTS, the more likely it is that you can earn a discount. The Cadillac CTS’s safety features include:

  • 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 car insurance costs; higher percentages mean higher Cadillac CTS car insurance costs. Compare the following Cadillac CTS auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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

You have more options at your disposal to save money on your Cadillac CTS car insurance costs. For example, try these five tips:

  • Ask About Usage-Based Insurance for Your Cadillac CTS
  • Start Searching for New Cadillac CTS Car Insurance a Month Before Your Renewal
  • Bundle Your Cadillac CTS Auto Insurance with Home Insurance
  • Move to an Area with a Lower Cost of Living
  • Move to the Countryside

Top Cadillac CTS Insurance Companies

Who is the best 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

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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
3
3
3
3
2014
1
1
3
3
2013
3
3
3
3
2012
3
3
3
3
2011

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Optional

Lane Departure Warning

Optional

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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