UPDATED: Oct 27, 2020
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- 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.
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.
|MINI Hardtop 4 Door||$294||$566||$398||$1,416|
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.
|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|
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.
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:
|Small overlap front: driver-side||Marginal|
|Small overlap front: passenger-side||Not Tested|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
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.
|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|
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|
|Medical Payment||no data|
|Bodily Injury||no data|
|Source: Insurance Institute for Highway Safety|
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.
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.
|Source: Insurance Information Institute|
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.
Cost of Insurance
Crash Avoidence Features
Forward Collision Warning
Forward Collision Auto Brake
Lane Departure Warning
Land Departure Prevention
Blind Spot Detection