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Compare Cadillac CTS Insurance Rates [List of Money Saving Tips]

Ready to compare Cadillac CTS Insurance rates? Realize that you are likely to pay around $125 a month for your Cadillac CTS insurance coverage, but comparing quotes online is the easiest way to save money on car insurance. Get a Cadillac CTS insurance quote from our free tool below, then use this list of money saving tips to reduce your Cadillac CTS insurance costs.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 28, 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 slightly less than the average vehicle with full coverage costing around $1,502 a year or $125 a month. The highest rates are for teens who will pay around $5,490 a year or $458 a month as they’re considered to be high-risk drivers.

Good drivers can save up to $619 a year in policy discounts by being a safe driver. Let’s take a closer 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 car insurance costs are $1,502 a year or $125 a month.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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 Infiniti Q50, Toyota Avalon, and Ford Fusion.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS $320 $626 $398 $1,502
Infiniti Q50 $344 $686 $398 $1,586
Toyota Avalon $320 $536 $338 $1,330
Ford Fusion $336 $626 $372 $1,492
Cadillac ATS $294 $566 $398 $1,416
Ford Focus $244 $536 $398 $1,336
Chrysler 300 $332 $626 $398 $1,514

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

Driver Age

Driver age can have a significant effect on Cadillac CTS car insurance rates. For example, 30-year-old drivers pay $66 more for 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 Los Angeles may pay $1,291 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on your Cadillac CTS car insurance rates. 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 car insurance rates are influenced by the safety ratings of the Cadillac CTS. 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

Cadillac CTS Crash Test Ratings

Cadillac CTS crash test ratings can impact the cost of your Cadillac CTS car insurance. 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

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

Review the Cadillac CTS car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Cadillac CTS auto insurance costs; higher percentages mean higher Cadillac CTS auto insurance costs.

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

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 car insurance rates from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Cadillac CTS Insurance

Although it may seem like your Cadillac CTS car insurance rates are set, there are a few measures that you can take to secure the best Cadillac CTS car insurance rates possible. Take a look at the following five ways to save on Cadillac CTS auto insurance.

  • Compare Apples to Apples When Comparing Cadillac CTS Insurance Quotes and Policies
  • Improve Your Credit Score
  • Ask About Retiree Discounts
  • Be Picky About Who Drives Your Cadillac CTS
  • Use Paperless Billing for Your Cadillac CTS Insurance Policy

Top Cadillac CTS Insurance Companies

Several insurance companies offer competitive rates for the Cadillac CTS based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Cadillac CTS drivers organized by market share.

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

Compare Free Cadillac CTS Insurance Quotes Online

You can start comparing quotes for Cadillac CTS insurance from some of the top car insurance companies by using our free online tool today.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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