What is the Best Car Insurance for a Cadillac CTS?

If you want to buy Cadillac CTS insurance coverage then a policy will cost $125 per month ($1,502 per year) on average. On average, Cadillac CTS comprehensive insurance coverage costs $366, collision coverage costs $534, and liability coverage costs $424. Cadillac CTS insurance costs around $17 less per year than the average vehicle. Good drivers can save up to $619 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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 are about $17 less per year than the average vehicle with full coverage costing around $1,502 a year or $125 a month. Teens have the highest rates of around $5,490 a year or $458 a month.

Good drivers can save up to $619 a year in policy discounts by remaining safe and claim-free. Let’s take a quick look at Cadillac CTS insurance rates, crash test ratings, and more.

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 Cadillac CTS auto insurance rates 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 Nissan Versa, MINI Hardtop 4 Door, and Subaru Legacy.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS $320 $626 $398 $1,502
Nissan Versa $268 $542 $390 $1,358
MINI Hardtop 4 Door $294 $566 $398 $1,416
Subaru Legacy $370 $506 $338 $1,350
Honda Accord $280 $500 $372 $1,310
Dodge Charger $376 $626 $466 $1,668
Kia Forte $322 $500 $372 $1,352
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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

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 effect on the cost of Cadillac CTS car insurance. For example, 30-year-old drivers pay approximately $66 more for their Cadillac CTS car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac CTS insurance rates. For example, drivers in New York may pay $916 a year more than drivers in Seattle.

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 car insurance with violations on their driving record.

Cadillac CTS Safety Ratings

Your Cadillac CTS auto insurance rates are influenced by the Cadillac CTS’s safety ratings. See the breakdown 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

Cadillac CTS crash test ratings can impact your Cadillac CTS car insurance rates. See Cadillac CTS crash test results below:

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 car 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

Another contributing factor that plays a direct role in Cadillac CTS insurance rates is the loss probability for 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, most lenders will require your carry higher Cadillac CTS coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac CTS auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Cadillac CTS Insurance

There are many ways that you can save on Cadillac CTS car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Cadillac CTS car insurance rates low.

  • Check the Odometer on Your Cadillac CTS
  • Drive Your Cadillac CTS Safely
  • Choose Automatic Payments or EFT for Your Cadillac CTS Insurance Policy
  • Spy on Your Teen Driver
  • Buy a Dashcam for Your Cadillac CTS

Top Cadillac CTS Insurance Companies

Who is the top car 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.

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