Cadillac CTS Insurance Rates [Rates + Comparison Guide]

Average auto insurance rates for a Cadillac CTS cost $1,502 a year, or around $125 a month. Comprehensive, collision, and liability insurance cost around $366, $534, and $424, respectively.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 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

Cadillac CTS insurance rates cost $125 per month or $1,502 per year. You can save up to $619 per year if you’re a good driver. Cadilac CTS insurance rates for teens is $458 per month. Read more to learn how you can save money on Cadillac CTS auto insurance.

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.

Cadillac CTS Insurance Cost

The average Cadillac CTS auto insurance costs 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 Audi A3, Cadillac ATS, and Kia Optima.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS $320 $626 $398 $1,502
Audi A3 $282 $566 $398 $1,404
Cadillac ATS $294 $566 $398 $1,416
Kia Optima $322 $532 $420 $1,454
Nissan Altima $306 $570 $390 $1,424
MINI Hardtop 4 Door $294 $566 $398 $1,416
Volkswagen Passat $332 $600 $390 $1,480
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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 can impact the total price you will pay for Cadillac CTS insurance coverage.

Age of the Vehicle

The average Cadillac CTS auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Cadillac CTS cost $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 effect on Cadillac CTS auto insurance rates. For example, 20-year-old drivers pay $1,837 more for their Cadillac CTS auto insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac CTS insurance rates. For example, drivers in Los Angeles may pay $826 a year more than drivers in Phoenix.

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 auto insurance rates with violations on their driving record.

Cadillac CTS Safety Ratings

Your Cadillac CTS auto insurance rates are tied to the safety ratings of the Cadillac CTS. See the breakdown below:

Test Type Rating
Small overlap front: driver-side M
Small overlap front: passenger-side N/A
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Cadillac CTS Crash Test Ratings

Cadillac CTS crash test ratings will affect your Cadillac CTS auto 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

Good Cadillac CTS safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Cadillac CTS are:

  • 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 auto insurance rates; higher percentages mean higher Cadillac CTS auto insurance rates. Insurance loss probability on the Cadillac CTS fluctuates between each type of coverage.

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, you will pay more if you purchase Cadillac CTS auto insurance at the dealership, so be sure to shop around and compare Cadillac CTS auto insurance quotes from the best companies using our FREE tool below.

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5 Ways to Save on Cadillac CTS Insurance

You can save more money on your Cadillac CTS auto insurance rates by employing any of the following five strategies.

  • Improve Your Credit Score
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Audit Your Cadillac CTS Driving When You Move to a New Location or Start a New Job
  • Re-Check Cadillac CTS Auto Insurance Quotes Every 6 Months

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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