Cadillac CTS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Cadillac CTS as the average car.
• Liability only car insurance prices for a CTS run about $83 monthly, while full coverage typically tends to be around $176 a month.
• The cheapest insurance company for a CTS is Workmens.

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CTS Overview

The Cadillac CTS is a great mid-level option for any driver, with 2019 models starting at $46,995. You'll have your choice of six different trim levels, so you'll drive off the dealership lot in style.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Cadillac CTS car insurance premiums are about $183 per month, on average. But how does that stack up to other similar cars out there on the market?

How Much is Car Insurance for a Cadillac CTS?

In the table above, you'll find that compared to other vehicles on the road, Cadillac CTS insurance rates are around average. On average, CTS owners can expect to pay about $83 monthly for liability insurance, and around $176 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When compared to other models, the CTS is on par with the other vehicle types offered by Cadillac. Compared to offerings from other brands, auto insurance for a CTS is less expensive than average, with liability insurance prices averaging exactly the same rates, but full coverage insurance premiums coming in at 1% cheaper than other cars.

Compared to all vehicles of any body type, liability only rates for the CTS run about the same, while full coverage insurance is slightly more expensive than average.

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Who has the Cheapest Car Insurance for a Cadillac CTS?

If you're in the market for a new car insurance policy for your Cadillac CTS, you're probably most interested in which carrier offers the lowest rates. Although premiums can vary considerably from policyholder to policyholder, CaliforniaCasualty has the most affordable average rates for liability only coverage, with rates as cheap as $22 per month. With car insurance sometimes as little as $25 a month, StateAuto is the next lowest auto insurance company.

The third, fourth, and fifth carriers on the list are Hallmark, MetroMile, and Dashers. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Car insurance companies take multiple things into consideration when offering you premiums. The only way to guarantee you'll find the cheapest rates is to compare quotes from a multitude of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Cadillac CTS?

As we mentioned above, there are many variables that insurance companies take a look at to determine how much they charge you for a policy -- and each carrier weighs different factors more heavily than others, so there's not a single company that's the most affordable for every driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Cadillac has been making the CTS for quite some time -- and that means the car's age may make a big difference in how much you'll pay for auto insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and CTSs begin to depreciate, insurance costs will gradually go down.

Based on the information in the table above, the Cadillac CTS bucks the trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive CTSs are 11 to 14 years old.

Your Age

How old you are makes a difference in how much insurance carriers will charge you for car insurance. Based on the information in the table above, younger drivers have higher prices compared to those with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the CTS.

Your Gender

Did you know men tend to pay more for auto insurance than women? This is because men are more likely to get into collisions and get speeding tickets, which raises the chances of an insurance claim. When it comes to CTS drivers specifically, men pay around $90 monthly for insurance, while women pay about $75.

Where You Live

You may think it's obvious that things like what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live matters just as much. Because auto insurance is regulated on a state-by-state basis, rates can fluctuate quite a bit depending on what state you reside in.

For example, the average Cadillac CTS driver in New York pays around $228 per month for liability coverage. Meanwhile, the same owner in California will pay only a quarter of that price, on average. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.

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Cadillac CTS Car Insurance Discounts

Regardless of your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-vehicle discounts for having more than one car on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings

But these aren't the only discounts car insurance carriers offer to their customers. Often, it's actually your driving record and insurance profile that get you the most affordable rates.

While you can't control every factor auto insurance companies use to calculate premiums (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your favor when it comes to saving cash:

Your Driving Record

You've almost certainly seen ads from insurance carriers offering large discounts for responsible drivers. It follows that if you get into a collision or get cited for speeding, auto insurance prices will go higher. But exactly how much can it cost you for these infractions?

Looking at the table above, you'll notice that accidents will usually cost CTS drivers more than tickets, but both will result in higher than normal rates. Cadillac CTS drivers with a single accident on their record pay an average of $100 a month (up $17 from the $83/mo. overall average), while drivers with one ticket will pay about $89 monthly. Drivers with more than one of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive affects your car insurance premiums. Those who drive less are more likely to go accident-free, so they'll normally be offered lower prices. In the table above, you can see that Cadillac CTS owners who drive fewer than 2,500 miles per year pay an average of $69 a month for insurance, while those who put 10,000 miles or more on their cars pay $84.

But if you don't drive much because have a second vehicle or you work from home, it may be worth learning about pay-per-mile or usage-based car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Cadillac CTSs Compare to Other Vehicles?

If you're thinking about making a Cadillac CTS your next car, it can pay off to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Cadillac CTS compares:

Overall, the Cadillac CTS has an MSRP that's on par with the going rate for a new vehicle. The CTS comes in at $46,995, similar to the national average vehicle MSRP of $46,074.

But while the purchase price runs about average, insurance rates run above average when compared to the rest of the vehicle market. Liability insurance for a Cadillac CTS is about $41 per month more than average, while full coverage is over $30 more per month.

When it comes to usage, Cadillac CTS drivers are pretty close to the national average in annual miles driven, with 11,129 miles every year compared to 11,617 for all vehicles.

Cadillac CTS Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on what you'll pay for auto insurance. If you're considering buying a new vehicle and the CTS is one you're thinking about, having a good idea of exactly how much you'll pay can be helpful as you consider your choices.

Choose Your Model

2019 Cadillac CTS Car Insurance 2018 Cadillac CTS Car Insurance 2017 Cadillac CTS Car Insurance 2016 Cadillac CTS Car Insurance 2015 Cadillac CTS Car Insurance 2014 Cadillac CTS Car Insurance 2013 Cadillac CTS Car Insurance 2012 Cadillac CTS Car Insurance 2011 Cadillac CTS Car Insurance 2010 Cadillac CTS Car Insurance 2009 Cadillac CTS Car Insurance 2008 Cadillac CTS Car Insurance 2007 Cadillac CTS Car Insurance

2019 Cadillac CTS Car Insurance

It costs around $122 a month for liability or $201 for a full coverage policy for the 2019 Cadillac CTS.

Good2Go has prices sometimes as low as $2,102/mo monthly for the 2019 Cadillac CTS.

Interested in what your insurance rate will be? Get several free customized quotes by just entering your ZIP code below.

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2018 Cadillac CTS Car Insurance

You can expect full coverage for a 2018 CTS to run about $205 a month, while liability only coverage will average around $81 per month.

Infinity offered the lowest policy we found, with rates as little as $34 monthly.

If you want to know exactly how much you can expect to pay for your CTS, just enter your ZIP code below and get free quotes in minutes.

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2017 Cadillac CTS Car Insurance

The average cost to insure a 2017 Cadillac CTS with liability only coverage is $51 a month, while full coverage runs about $183 monthly.

If you're looking for the cheapest possible 2017 Cadillac CTS insurance policy, Infinity offered the cheapest policy we found, with rates as low as $34 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 Cadillac CTS Car Insurance

On average, drivers who own a 2016 CTS can expect to pay $88 to $195 a month for liability only and full coverage auto insurance, respectively.

With rates as little as just $28 monthly, Infinity offered the lowest policy we found for the 2016 Cadillac CTS.

What will your car insurance price be? Enter your ZIP code below to get multiple customized quotes for free.

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2015 Cadillac CTS Car Insurance

2015 Cadillac CTS drivers can expect to pay an average of $79 per month for liability or $211 for full coverage.

With premiums as cheap as just $23 a month, SafeAuto offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2015 Cadillac CTS, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2014 Cadillac CTS Car Insurance

On average, drivers who own a 2014 CTS can expect to pay $87 to $196 per month for liability only and full coverage auto insurance, respectively.

Looking for the cheapest policy? StateAuto offered liability only coverage for sometimes as cheap as $19 monthly.

If you want to find the best prices for insurance for a 2014 Cadillac CTS, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2013 Cadillac CTS Car Insurance

2013 Cadillac CTS drivers can expect to pay an average of $73 per month for liability or $179 for full coverage.

We found MetroMile offered the most affordable policy, with rates as low as just $24 a month.

What could your car insurance rate look like? Just enter your ZIP code below to get lots of free personalized quotes.

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2012 Cadillac CTS Car Insurance

The average cost to insure a 2012 CTS with liability only coverage is $77 monthly, while full coverage runs around $184 a month.

If you're looking for the most affordable 2012 Cadillac CTS insurance policy, Safeco offered the lowest policy we found, with rates as low as $27 per month.

If you want to find the best premiums for insurance for a 2012 Cadillac CTS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Cadillac CTS Car Insurance

You can expect full coverage for a 2011 Cadillac CTS to run about $177 monthly, while liability only coverage will average around $93 per month.

With prices as little as just $18 monthly, Safeco offered the cheapest policy we found.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2010 Cadillac CTS Car Insurance

It costs about $95 a month for liability or $196 for a full coverage policy for the 2010 CTS.

Looking for the lowest policy? Safeco offered liability only coverage for as little as $17 per month.

Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of free customized quotes.

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2009 Cadillac CTS Car Insurance

2009 Cadillac CTS drivers can expect to pay an average of $80 monthly for liability or $177 for full coverage.

With rates as cheap as just $19 a month, MetLife offered the most affordable policy we found for the 2009 Cadillac CTS.

These average premiums are a great starting point if you're in the market for a 2009 Cadillac CTS, but there are a multitude of variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2008 Cadillac CTS Car Insurance

You can expect full coverage for a 2008 CTS to run around $163 per month, while liability only coverage will average about $86 a month.

We found ACG offered the lowest policy, with rates as low as just $11 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2007 Cadillac CTS Car Insurance

It costs around $75 per month for liability or $147 for a full coverage policy for the 2007 Cadillac CTS.

Elephant has rates sometimes as low as $17 monthly for the 2007 Cadillac CTS.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Cadillac CTS Insurance FAQs

Is a Cadillac CTS expensive to insure?

The cost of auto insurance for the Cadillac CTS is about on par with the average vehicle. Liability insurance runs an average of $83 a month, while full coverage will cost you around $176.

How can I get the best price on car insurance for my Cadillac CTS?

The only way to be sure you're getting the cheapest price on car insurance is to regularly shop around and compare quotes from numerous companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole bunch of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Cadillac CTS affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. Even though there are many factors auto insurance companies consider when they calculate how much your policy will be, the color of your car is not one of them.

Do I need to have insurance before I buy a Cadillac CTS?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your insurance company know beforehand.

What car insurance discounts can I get for my Cadillac CTS?

There are a variety of discounts out there for auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the CTS you drive, but if your CTS has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance carrier and ask about their list of discounts, since they change quite a bit from carrier to carrier.