Best Cadillac CTS Wagon Auto Insurance in 2025 (Your Guide to the Top 10 Companies)
State Farm, Progressive, and Geico are the top picks for the best Cadillac CTS Wagon auto insurance, starting at just $80 monthly. These companies excel in providing cost-effective and comprehensive coverage for Cadillac CTS Wagon owners, ensuring the best value to meet your specific insurance needs.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Updated October 2024
18,157 reviewsCompany Facts
Full Coverage for Cadillac CTS Wagon
A.M. Best
Complaint Level
Pros & Cons
18,157 reviews
13,285 reviewsCompany Facts
Full Coverage for Cadillac CTS Wagon
A.M. Best
Complaint Level
Pros & Cons
13,285 reviews
19,116 reviewsCompany Facts
Full Coverage for Cadillac CTS Wagon
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
The top picks for the best Cadillac CTS Wagon auto insurance are State Farm, Progressive, and Geico, known for their exceptional coverage options and customer service.
These providers offer tailored policies that enhance the value of insuring your Cadillac CTS Wagon, focusing on comprehensive protection and competitive pricing. See more details in our guide titled “Best Auto Insurance Companies.”
Our Top 10 Company Picks: Best Cadillac CTS Wagon Auto Insurance
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Multi-Policy Discounts State Farm
#2 10% A+ Competitive Rates Progressive
#3 20% A++ Affordable Premiums Geico
#4 15% A+ Personalized Service Allstate
#5 25% A+ Comprehensive Coverage Nationwide
#6 12% A Accident Forgiveness Liberty Mutual
#7 15% A++ Financially Reliable Travelers
#8 10% A+ Local Agent Farmers
#9 10% A Loyalty Discounts American Family
#10 10% A High-Risk Drivers The General
As each driver’s needs differ, comparing these companies can help identify the best match for your specific requirements. Exploring their different offerings ensures you receive the most effective coverage for your luxury vehicle without compromising on quality or service.
To compare Cadillac CTS Wagon auto insurance quotes from top companies, enter your ZIP code above now. It’s fast and free.
- State Farm stands out as the top provider of Cadillac CTS Wagon insurance
- Coverage tailored to the luxury and safety features of the Cadillac CTS Wagon
- Insurance options focus on comprehensive protection for high-value vehicles
#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: State Farm provides a range of insurance solutions specifically designed for the Cadillac CTS Wagon, ensuring broad coverage.
- Substantial Low-Mileage Discounts: Drivers of the Cadillac CTS Wagon who log fewer miles can benefit significantly from State Farm’s low-mileage discounts.
- Bundling Benefits: Cadillac CTS Wagon owners can save by bundling their auto insurance with other policies at State Farm, though at a moderate rate. Discover insights in our guide titled, State Farm auto insurance review.
Cons
- Higher Premium Levels: Despite offering various discounts, State Farm’s premiums can be relatively higher for Cadillac CTS Wagon owners seeking extensive coverage levels.
- Limited Multi-Policy Discount Impact: The 17% multi-policy discount at State Farm is less competitive compared to other insurers, affecting total savings for Cadillac CTS Wagon insurance.
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#2 – Progressive: Best for Competitive Rates
Pros
- Customizable Policies: Progressive allows Cadillac CTS Wagon owners to tailor their insurance policies to match specific needs, enhancing coverage flexibility.
- Loyalty Rewards: Long-term Cadillac CTS Wagon customers enjoy loyalty discounts, adding value over time. Delve into our evaluation of Progressive auto insurance review.
- Snapshot Program Benefits: Cadillac CTS Wagon drivers can lower their rates significantly through Progressive’s Snapshot program by demonstrating safe driving behaviors.
Cons
- Less Generous Multi-Policy Discounts: At only 10%, Progressive’s multi-policy discount is less attractive for Cadillac CTS Wagon owners compared to other leading insurers.
- Variable Customer Service: Some Cadillac CTS Wagon owners might experience inconsistencies in customer service quality with Progressive.
#3 – Geico: Best for Affordable Premiums
Pros
- Competitive Premium Rates: Geico offers some of the most affordable premiums for Cadillac CTS Wagon insurance, backed by a strong A++ financial rating.
- High Multi-Policy Discount: With a 20% discount, Cadillac CTS Wagon owners benefit greatly from bundling policies with Geico. Learn more by reading our guide titled, “Geico Auto Insurance Review.”
- Extensive Coverage Options: Geico provides a variety of coverage choices that can be customized to protect the Cadillac CTS Wagon against a wide range of incidents.
Cons
- Basic Coverage Limitations: While affordable, some of Geico’s basic policies for the Cadillac CTS Wagon might lack in-depth coverage options offered by competitors.
- Customer Service Variability: The level of customer service can vary, potentially affecting the insurance experience for some Cadillac CTS Wagon owners.
#4 – Allstate: Best for Personalized Service
Pros
- Tailored Insurance Solutions: Allstate offers personalized insurance options for Cadillac CTS Wagon owners, ensuring that coverage meets individual needs.
- Dedicated Agents: Allstate provides access to dedicated agents who specialize in crafting policies for luxury vehicles like the Cadillac CTS Wagon. Access comprehensive insights into our guide titled Allstate auto insurance review.
- Safe Driving Rewards: Cadillac CTS Wagon drivers can benefit from Allstate’s safe driving bonuses, enhancing savings for responsible drivers.
Cons
- Higher Premiums for Custom Policies: Customizing insurance coverage for the Cadillac CTS Wagon at Allstate can result in higher premium costs.
- Average Multi-Policy Discount: The 15% discount for bundling policies at Allstate is competitive but does not stand out as much as some other insurers.
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#5 – Nationwide: Best for Comprehensive Coverage
Pros
- Broad Coverage Options: Nationwide offers extensive insurance coverage options, ideal for the comprehensive protection of the Cadillac CTS Wagon. Read up on the Nationwide auto insurance review for more information.
- Top-tier Multi-Policy Discount: At 25%, Nationwide provides the highest multi-policy discount, greatly benefiting Cadillac CTS Wagon owners who bundle policies.
- Accident Forgiveness: Nationwide includes accident forgiveness in policies for Cadillac CTS Wagon, which can prevent premium increases after a first accident.
Cons
- Cost of Comprehensive Plans: While offering extensive coverage, the premiums for these comprehensive plans at Nationwide can be quite high for Cadillac CTS Wagon owners.
- Policy Adjustment Fees: Some Cadillac CTS Wagon owners may face fees when making changes to their Nationwide policies, which can add to the overall cost.
#6 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Customized Discounts: Liberty Mutual offers various discounts that Cadillac CTS Wagon owners can customize to fit their coverage needs and budget. Discover more about offerings in our complete Liberty Mutual auto insurance review.
- Accident Forgiveness: Cadillac CTS Wagon drivers benefit from Liberty Mutual’s accident forgiveness policy, which helps to maintain premium stability after an accident.
- Extensive Coverage Offerings: Comprehensive coverage options are available for the Cadillac CTS Wagon, protecting against a wide array of potential damages and liabilities.
Cons
- Higher Rates for Comprehensive Coverage: Premiums for extensive coverage are typically higher at Liberty Mutual, especially for luxury vehicles like the Cadillac CTS Wagon.
- Limited Multi-Policy Discount: The 12% multi-policy discount at Liberty Mutual is less than some competitors, offering less savings for customers who bundle.
#7 – Travelers: Best for Financially Reliable
Pros
- Stable Financial Standing: Backed by an A++ rating from A.M. Best, Travelers offers robust financial reliability for Cadillac CTS Wagon insurance policies.
- Wide Range of Discounts: Cadillac CTS Wagon owners can take advantage of a variety of discounts, including multi-car and safe driver discounts. See more details in our guide titled, “Travelers Auto Insurance Review.”
- Flexible Coverage Options: Travelers provides flexible insurance options that allow Cadillac CTS Wagon owners to tailor their coverage to specific needs and circumstances.
Cons
- Premium Costs: Despite offering discounts, Travelers’ premiums for high-level coverage options can be on the higher side for Cadillac CTS Wagon owners.
- Complex Policy Terms: Some Cadillac CTS Wagon owners may find Travelers’ insurance policies to be complex, requiring more time to understand coverage details.
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#8 – Farmers: Best for Local Agent
Pros
- Personalized Local Service: Farmers emphasizes local agent interactions, providing personalized service for Cadillac CTS Wagon insurance needs. More information is available about this provider in our Farmers auto insurance review.
- Customizable Policies: Farmers offers highly customizable policies, allowing Cadillac CTS Wagon owners to adjust coverages to fit their unique needs.
- Discounts for Safety Features: Farmers rewards owners of Cadillac CTS Wagons with discounts for equipped safety features, enhancing affordability.
Cons
- Higher Rates with Customization: Customizing policies at Farmers can lead to higher rates, particularly for specialized coverages for luxury vehicles like the Cadillac CTS Wagon.
- Moderate Multi-Policy Discount: The 10% multi-policy discount from Farmers may not be as competitive as other top insurers for Cadillac CTS Wagon owners.
#9 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Rewards: American Family offers significant loyalty discounts, benefiting long-term Cadillac CTS Wagon insurance holders. See more details in our guide titled, “American Family Auto Insurance Review.”
- Custom Coverage Options: Cadillac CTS Wagon owners can tailor their insurance with various coverage options to suit personal needs at American Family.
- Proactive Claims Service: Efficient and proactive claims handling ensures that Cadillac CTS Wagon owners experience minimal hassle in the event of an accident.
Cons
- Limited Coverage Options: While customizable, some coverage options for the Cadillac CTS Wagon at American Family might not be as comprehensive as those offered by larger insurers.
- Average Multi-Policy Discounts: The 10% multi-policy discount at American Family, while helpful, does not stand out as particularly generous compared to industry leaders.
#10 – The General: Best for High-Risk Drivers
Pros
- Acceptance of High-Risk Drivers: The General specializes in providing insurance for high-risk drivers, including those with Cadillac CTS Wagons.
- Flexible Payment Options: Flexible payment plans help Cadillac CTS Wagon owners manage insurance expenses more easily. See more details in our guide titled, “The General Auto Insurance Review.”
- Quick Policy Approval: The General offers quick policy approval, ideal for Cadillac CTS Wagon owners requiring immediate coverage.
Cons
- Higher Premiums for High-Risk Coverage: Cadillac CTS Wagon owners categorized as high-risk might face higher premiums at The General.
- Basic Coverage Limits: The focus on high-risk drivers means that coverage options for the Cadillac CTS Wagon at The General might be more basic and not as comprehensive as those offered by other insurers.
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Cadillac CTS Wagon Insurance Coverage Costs
When choosing auto insurance for a Cadillac CTS Wagon, it’s crucial to understand how different coverage levels and providers affect your monthly rates.
Cadillac CTS Wagon Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $95 $170
American Family $85 $155
Farmers $90 $165
Geico $80 $150
Liberty Mutual $92 $175
Nationwide $88 $165
Progressive $85 $155
State Farm $90 $160
The General $95 $170
Travelers $87 $160
The table below breaks down the monthly auto insurance rates for both minimum and full coverage across various providers.
Geico offers the lowest monthly rate for full coverage at $150, making it an attractive option for those seeking comprehensive protection at a competitive price.
Conversely, Liberty Mutual presents the highest rate for full coverage at $175. For minimum coverage, American Family and Progressive tie for the lowest rate at $85, while The General and Allstate top the chart at $95.
This diverse range of pricing highlights the importance of comparing rates to find the best fit for your budget and coverage needs when insuring a Cadillac CTS Wagon. For additional details, explore our comprehensive resource titled “What is the average auto insurance cost per month?“
Are Vehicles Like the Cadillac CTS Wagon Expensive to Insure
Take a look at how insurance rates for similar models to the Cadillac CTS Wagon look. These insurance rates for other wagons like the Hyundai Elantra Touring, Toyota Tercel, and Volvo V90 give you a good idea of what to expect. See more details in our guide titled, “How to Lower Your Auto Insurance Rates.”
The average insurance rates for wagons, as illustrated, reflect a range of costs across different coverage types. For anyone considering a wagon such as the Cadillac CTS Wagon, these figures provide a clear benchmark for budgeting the necessary insurance expenses.
Understanding the insurance costs associated with similar models, like the Volvo V60 and Subaru Outback, helps potential buyers make informed decisions regarding both vehicle purchase and the associated long-term ownership costs.
Insurance Rates for Vehicles Similar to the Cadillac CTS Wagon
Insurance rates for vehicles similar to the Cadillac CTS Wagon vary widely depending on model and coverage type. Here’s a comparison of comprehensive, collision, and liability insurance costs for a selection of comparable vehicles.
Cadillac CTS Wagon Auto Insurance Monthly Rates vs. Similar Cars by Coverage Type
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Cadillac CTS Wagon | $26 | 43 | $35 | $116 |
| Volvo V60 | $27 | $53 | $30 | $121 |
| Volvo XC70 | $28 | $47 | $41 | $130 |
| Chevrolet HHR | $19 | $29 | $38 | $99 |
| Subaru Outback | $29 | $42 | $31 | $115 |
As demonstrated, insurance premiums for vehicles like the Cadillac CTS Wagon can differ significantly, influenced by factors such as vehicle type and chosen coverage. This underscores the importance of thorough comparison shopping to ensure you receive the best possible rates and coverage for your needs.
What Impacts the Cost of Cadillac CTS Wagon Insurance
The average annual rate for the Cadillac CTS Wagon is just that, an average. Your insurance rates for a Cadillac CTS Wagon can be higher or lower depending on the trim level and personal factors.
Those factors include your age, home address, driving history, and the model year of your Cadillac CTS Wagon. To learn more, explore our comprehensive resource on “Factors That Affect Auto Insurance Rates.”
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Ways to Save on Cadillac CTS Wagon Insurance
Save more on your Cadillac CTS Wagon car insurance rates. Take a look at the following five strategies that will get you the best Cadillac CTS Wagon auto insurance rates possible.
- Ask about Cadillac CTS Wagon low mileage discounts.
- Understand the different types of auto insurance for your Cadillac CTS Wagon.
- Provide your Cadillac CTS Wagon VIN when requesting Cadillac CTS Wagon auto insurance quotes.
- Ask about retiree discounts.
- Start searching for new Cadillac CTS Wagon car insurance a month before your renewal.
By implementing these strategies, you can effectively reduce the cost of insuring your Cadillac CTS Wagon. Start planning and consult with your insurer to take full advantage of these opportunities for savings.
Top Cadillac CTS Wagon Insurance Companies
Choosing the right insurance company is crucial for Cadillac CTS Wagon owners who seek both affordability and comprehensive coverage. The following section highlights the leading auto insurers by market share, reflecting their popularity and trust among consumers. Learn more in our complete “Types of Auto Insurance.”
When considering insurance for your Cadillac CTS Wagon, these top insurers by market share offer a mix of competitive rates and valuable discounts.
Choosing State Farm means securing top-tier insurance with a personalized touch for your Cadillac CTS Wagon.Justin Wright Licensed Insurance Agent
Evaluating these options based on their market presence can guide you to make an informed decision that aligns with your insurance needs and budget.
Largest Auto Insurers by Market Share
The landscape of the auto insurance market is defined by the performance of the largest insurers, which hold significant portions of the market share. This list ranks these key players by their market share and total volume, offering a snapshot of their dominance and influence in the industry.
Top Cadillac CTS Wagon Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66,153,063 | 9.1% |
| #2 | Geico | $46,358,896 | 6.4% |
| #3 | Progressive | $41,737,283 | 5.7% |
| #4 | Allstate | $39,210,020 | 5.4% |
| #5 | Liberty Mutual | $36,172,570 | 5% |
| #6 | Travelers | $28,786,741 | 4% |
| #7 | USAA | $24,621,246 | 3.4% |
| #8 | Chubb | $24,199,582 | 3.3% |
| #9 | Farmers | $20,083,339 | 2.8% |
| #10 | Nationwide | $18,499,967 | 2.5% |
Understanding the market share of these top insurers is crucial for analyzing the competitive dynamics within the auto insurance sector. It not only reflects their financial stability and customer reach but also helps potential customers and investors gauge which companies are leading and shaping the market.
You can start comparing quotes for Cadillac CTS Wagon insurance from some of the top car insurance companies by using our free online tool today.
Frequently Asked Questions
What types of insurance coverage are available for a Cadillac CTS Wagon?
Several insurance coverage options are available for a Cadillac CTS Wagon, including:
- Liability Coverage: This coverage is mandatory in most states and helps pay for injuries or property damage you cause to others in an accident.
- Collision Coverage: This coverage helps pay for damages to your Cadillac CTS Wagon if you collide with another vehicle or object.
- Comprehensive Coverage: This coverage protects against non-collision incidents such as theft, vandalism, natural disasters, and falling objects.
- Uninsured/Underinsured Motorist Coverage: This coverage protects if you are involved in an accident with a driver who lacks sufficient insurance coverage or is uninsured.
- Personal Injury Protection (PIP): PIP coverage helps pay for medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault.
Choosing the right insurance coverage for your Cadillac CTS Wagon ensures you are well-protected against a range of potential risks, from accidents to theft.
To learn more, explore our comprehensive resource on “Cheapest Liability-Only Auto Insurance.“
Are there any discounts available for insuring a Cadillac CTS Wagon?
Yes, insurance companies may offer various discounts that could apply to insuring a Cadillac CTS Wagon. Some common discounts include:
- Multi-Policy Discount: If you bundle your Cadillac CTS Wagon insurance with other policies like homeowner’s insurance or life insurance, you may qualify for a discount.
- Safe Driver Discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Anti-Theft Discount: If your Cadillac CTS Wagon has anti-theft devices or security features, such as an alarm system or vehicle tracking, you may qualify for a discount.
- Good Student Discount: If you or a young driver on your policy is a full-time student with good grades, you may be eligible for a discount.
- Low Mileage Discount: If you drive your Cadillac CTS Wagon less frequently than the average driver, you may qualify for a low mileage discount.
By taking advantage of these discounts, you can effectively lower the insurance expenses for your Cadillac CTS Wagon, making it more affordable to enjoy the luxury and performance of this exceptional vehicle.
Is Cadillac CTS Wagon auto insurance more expensive compared to other vehicles?
The cost of insurance for a Cadillac CTS Wagon can vary depending on several factors, including the ones mentioned earlier. However, luxury vehicles like the CTS Wagon generally have higher insurance rates compared to the economy or mid-range cars. This is because luxury vehicles typically have higher repair costs and are more expensive to replace, which increases the insurer’s risk.
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
Should I choose a higher coverage limit for my Cadillac CTS Wagon?
The choice of coverage limits depends on your circumstances and risk tolerance. It’s generally advisable to opt for higher coverage limits if you can afford them. Higher limits provide greater financial protection in case of a significant accident or if you cause significant property damage or injuries to others. Consider your assets and the potential financial impact of an accident when deciding on your coverage limits.
Can I transfer my current insurance policy to a new Cadillac CTS Wagon?
In most cases, you can transfer your existing insurance policy to a new Cadillac CTS Wagon. However, it’s important to notify your insurance provider about the vehicle change as soon as possible.
They may need to update the policy to reflect the new vehicle’s information, such as the VIN (Vehicle Identification Number) and any changes in coverage requirements. Additionally, the premium may change based on the new vehicle’s characteristics.
For additional details, explore our comprehensive resource titled, “Can I transfer my auto insurance to another person?“
What factors affect Cadillac CTS insurance rates?
Cadillac CTS insurance rates depend on factors such as the driver’s age, driving history, and the specific model year and trim of the vehicle.
Is Cadillac CTS V insurance more expensive than standard models?
Yes, Cadillac CTS V insurance typically costs more due to its high-performance features, which can lead to higher repair costs.
What should I consider when buying Cadillac STS car insurance?
When buying Cadillac STS car insurance, consider the vehicle’s safety features, and your driving history, and compare quotes from multiple insurers to find the best rate.
How does CTS insurance differ from other vehicle insurance?
CTS insurance may differ in cost due to the Cadillac brand’s luxury status and the specific performance and safety features of various CTS models.
To find out more, explore our guide titled, “Top 7 Factors That Affect Auto Insurance Rates.”
How much is insurance for a Cadillac CTS on average per month?
The monthly cost of insurance for a Cadillac CTS varies, but it generally ranges based on the vehicle’s age, your location, and your driving record.
What are typical premiums for insurance on a Cadillac CTS?
Why might wagon insurance differ from other types of car insurance?
Is insurance high on a Cadillac CTS Wagon?
How does the rarity of the Cadillac CTS Wagon affect insurance rates?
Does the luxury status of the Cadillac CTS Wagon impact its insurance costs?
Are insurance premiums higher due to the cost of parts for the Cadillac CTS Wagon?
Why might insurance for a discontinued model like the Cadillac CTS Wagon be expensive?
What is the expected lifespan of a Cadillac CTS Wagon, and how does it affect insurance?
Does the performance of the Cadillac CTS Wagon influence its insurance rates?
How do the production years of the Cadillac CTS Wagon influence insurance quotes?
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