Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a used Cadillac CTS? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Cadillac CTS insurance facts

  • Average full coverage auto insurance premium: $160/month

  • Most affordable companies: Nationwide ($117/month) & Progressive ($126/month)

  • CTS insurance cost vs. average rates: $14 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Cadillac CTS by model year and auto insurer.

Free Auto Insurance Comparison

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

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Below average Cadillac CTS insurer costs by state:

Risk factors affecting Cadillac CTS car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Cadillac CTS car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Cadillac models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Cadillac Luxury Automobile Brand

Cadillac is a division of the American auto manufacturer General Motors (GM) and top of the luxury field within the United States market. The target market of Cadillac is customers that demand refinement, high-end design, and features. All Cadillac automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Cadillac XT4, XT5, and CTS are some of their most popular vehicles.

Higher than average Cadillac CTS repair costs equal higher coverage rates

Many consumers are attracted to Cadillac’s luxury, refinement, high-end features, safety, and driver-assist technologies, like Cadillac’s Super Cruise hands-free driving. Automotive parts are not as common as more popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Cadillac is above average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Cadillacs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for CTS affecting auto insurance rates

Another factor to consider for luxury Cadillac’s is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Cadillac models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower auto rates for drivers

Cadillacs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies or Cadillac’s Super Cruise “hands-free driving” technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for Cadillac models. The Cadillac XT6 is the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick,” and the NHTSA consistently gives Cadillac automobiles top safety ratings each year, lowering your insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Cadillac automobile owners when buying a car insurance policy.

2019 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2328
Allstate$2216
American Family$1927
Amica$2546
Country Financial$2230
Erie$1540
Farmers$1840
GEICO$1581
Kentucky Farm Bureau$2219
Liberty Mutual$1633
MAPFRE$2618
Mercury$2181
MetLife$2416
Nationwide$1410
Progressive$1426
Sentry$2751
Shelter$2016
State Farm$1658
Tennessee Farmers$2143
Texas Farm Bureau$1726
The Hanover$2223
Travelers$2219
USAA$1503

Compare all 2019 Cadillac CTS rates

Average Cost to Insure Per Year

$1923

List Price

$46995

Trims Available

2.0T - 2.0T Luxury - 3.6L Luxury - 3.6L Premium Luxury - 3.6L TT Vsport - 3.6L TT Vsport Premium Luxury - Standard active-safety features - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags · Side impact airbags · Overhead airbags · Knee airbags, Adaptive Cruise Control

2018 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1555
Acuity$ 1555
Allied$ 1331
Allied$ 1331
Erie$ 1166
Erie$ 1166
GEICO$ 1650
GEICO$ 1650
Nationwide$ 1364
Nationwide$ 1364
Plymouth Rock Insurance$ 1740
Plymouth Rock Insurance$ 1740
Progressive$ 1586
Progressive$ 1586
Southern Farm Bureau$ 1765
Southern Farm Bureau$ 1765
State Farm$ 1603
State Farm$ 1603
Tennessee Farmers$ 1425
Tennessee Farmers$ 1425
USAA$ 1286
USAA$ 1286
Vermont Mutual$ 1584
Vermont Mutual$ 1584

Compare all 2018 Cadillac CTS rates

Average Cost to Insure Per Year

$1912

List Price

$46495

Trims Available

2.0T - 2.0T Luxury - 3.6L Luxury - 3.6L Premium Luxury - 3.6L TT Vsport - 3.6L TT Vsport Premium Luxury - Standard active-safety features - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags · Side impact airbags · Overhead airbags · Knee airbags, Adaptive Cruise Control

2017 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1530
Acuity$ 1530
Allied$ 1342
Allied$ 1342
American Family$ 1736
American Family$ 1736
Country$ 1656
Country$ 1656
Erie$ 1098
Erie$ 1098
GEICO$ 1534
GEICO$ 1534
Nationwide$ 1396
Nationwide$ 1396
Plymouth Rock Insurance$ 1685
Plymouth Rock Insurance$ 1685
State Farm$ 1416
State Farm$ 1416
Tennessee Farmers$ 1438
Tennessee Farmers$ 1438
USAA$ 1517
USAA$ 1517
Vermont Mutual$ 1506
Vermont Mutual$ 1506

Compare all 2017 Cadillac CTS rates

Average Cost to Insure Per Year

$ 1833

List Price

$ 45995

Trims Available

2.0T - 2.0T Luxury - 3.6L Luxury - 3.6L Premium Luxury - 3.6L TT Vsport - 3.6L TT Vsport Premium Luxury

2016 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1517
Acuity$ 1517
Allied$ 1389
Allied$ 1389
Country$ 1637
Country$ 1637
Erie$ 932
Erie$ 932
GEICO$ 1031
GEICO$ 1031
Nationwide$ 1305
Nationwide$ 1305
Plymouth Rock Insurance$ 1646
Plymouth Rock Insurance$ 1646
Progressive$ 1318
Progressive$ 1318
State Farm$ 1220
State Farm$ 1220
Tennessee Farmers$ 1349
Tennessee Farmers$ 1349
USAA$ 1198
USAA$ 1198
Vermont Mutual$ 1521
Vermont Mutual$ 1521

Compare all 2016 Cadillac CTS rates

Average Cost to Insure Per Year

$ 1482

List Price

$ 45560

Trims Available

2.0T - 2.0T Luxury Collection - 3.6L Luxury Collection - 2.0T Performance Collection - 3.6L Performance Collection - 3.6L TT Vsport - 2.0T Premium Collection - 3.6L Premium Collection - 3.6L TT Vsport Premium

2015 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1517
Acuity$ 1517
Allied$ 1266
Allied$ 1266
American Family$ 1631
American Family$ 1631
Erie$ 957
Erie$ 957
GEICO$ 1509
GEICO$ 1509
Nationwide$ 1323
Nationwide$ 1323
Plymouth Rock Insurance$ 1582
Plymouth Rock Insurance$ 1582
Progressive$ 1508
Progressive$ 1508
State Farm$ 1194
State Farm$ 1194
Tennessee Farmers$ 1565
Tennessee Farmers$ 1565
USAA$ 1310
USAA$ 1310
Vermont Mutual$ 1559
Vermont Mutual$ 1559

Compare all 2015 Cadillac CTS rates

Average Cost to Insure Per Year

$ 1618

List Price

$ 45345

Trims Available

2.0T - 2.0T Luxury Collection - 3.6L Luxury Collection - 2.0T Performance Collection - 3.6L Performance Collection - 3.6L TT Vsport - 2.0T Premium Collection - 3.6L Premium Collection - 3.6L TT Vsport Premium

2014 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1362
Acuity$ 1362
Allied$ 1320
Allied$ 1320
American Family$ 1482
American Family$ 1482
Erie$ 765
Erie$ 765
GEICO$ 1005
GEICO$ 1005
Nationwide$ 1287
Nationwide$ 1287
Plymouth Rock Insurance$ 1508
Plymouth Rock Insurance$ 1508
Progressive$ 1116
Progressive$ 1116
State Farm$ 1086
State Farm$ 1086
Tennessee Farmers$ 1413
Tennessee Farmers$ 1413
USAA$ 1052
USAA$ 1052
Vermont Mutual$ 1384
Vermont Mutual$ 1384

Compare all 2014 Cadillac CTS rates

Average Cost to Insure Per Year

$ 1309

List Price

$ 39495

Trims Available

3.6L - 3.0L Luxury - 3.6L Performance - 2.0T - 3.6L Premium - 2.0T Luxury Collection - 3.6L Luxury Collection - 2.0T Performance Collection - 3.6L TT Vsport - 3.6L Performance Collection - 2.0T Premium Collection - 3.6L Premium Collection - 3.6L TT Vsport Premium

2013 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1157
Acuity$ 1157
Allied$ 1239
Allied$ 1239
American Family$ 1208
American Family$ 1208
Arbella$ 1310
Arbella$ 1310
Erie$ 636
Erie$ 636
GEICO$ 635
GEICO$ 635
Nationwide$ 1152
Nationwide$ 1152
Progressive$ 944
Progressive$ 944
State Farm$ 873
State Farm$ 873
Tennessee Farmers$ 1086
Tennessee Farmers$ 1086
USAA$ 844
USAA$ 844
Vermont Mutual$ 1055
Vermont Mutual$ 1055

Compare all 2013 Cadillac CTS rates

Average Cost to Insure Per Year

$ 1062

List Price

$ 38905

Trims Available

3.6L - 3.0L Luxury - 3.0L - 3.6L Performance - 3.6L Premium

2012 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1085
Acuity$ 1085
Allied$ 1155
Allied$ 1155
American Family$ 1095
American Family$ 1095
Country$ 1261
Country$ 1261
Erie$ 616
Erie$ 616
GEICO$ 602
GEICO$ 602
Nationwide$ 1087
Nationwide$ 1087
Progressive$ 855
Progressive$ 855
State Farm$ 772
State Farm$ 772
Tennessee Farmers$ 1041
Tennessee Farmers$ 1041
USAA$ 750
USAA$ 750
Vermont Mutual$ 986
Vermont Mutual$ 986

Compare all 2012 Cadillac CTS rates

Average Cost to Insure Per Year

$ 983

List Price

$ 35915

Trims Available

3.0L - 3.6L - 3.0L Luxury - 3.6L Performance - 3.6L Premium

2011 Cadillac CTS

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1133
Allied$ 1133
American Family$ 1108
American Family$ 1108
Arbella$ 1084
Arbella$ 1084
Country$ 1206
Country$ 1206
Erie$ 576
Erie$ 576
GEICO$ 595
GEICO$ 595
Nationwide$ 1088
Nationwide$ 1088
Progressive$ 892
Progressive$ 892
State Farm$ 931
State Farm$ 931
Tennessee Farmers$ 995
Tennessee Farmers$ 995
USAA$ 771
USAA$ 771
Vermont Mutual$ 890
Vermont Mutual$ 890

Compare all 2011 Cadillac CTS rates

Average Cost to Insure Per Year

$ 1023

List Price

$ 35165

Trims Available

3.0L - 3.6L - 3.0L Luxury - 3.0L Performance - 3.6L Performance - 3.6L Premium