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Key takeaways:
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.
Table of Contents
The average Cadillac CTS auto insurance costs are $1,502 a year or $125 a month.
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 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
The Cadillac CTS trim and model you choose can impact the total price you will pay for Cadillac CTS insurance coverage.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
Good Cadillac CTS safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Cadillac CTS are:
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 | |
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.
You can save more money on your Cadillac CTS auto insurance rates by employing any of the following five strategies.
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 | |||
Start comparing Cadillac CTS auto insurance quotes for free by using our FREE online comparison tool.
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