Cadillac CT5 Insurance Cost

Full coverage for a Cadillac CT5 costs about $1,555 a year ($130/month) by our estimate — ▼ −2% versus the average vehicle, ranking 121st cheapest of 310 current models.

Cadillac CT5 exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Cadillac CT5 insurance cost at a glance

Full coverage

$1,555

$130/mo · $1,275–$1,835

Minimum liability

$520

$43/mo

Segment

Luxury car

Gasoline

HLDI collision losses

121

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2020–2026 model years of the Cadillac CT5.

Estimated Cadillac CT5 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$520	$43	$425–$615
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$755	$63	$620–$890
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,555	$130	$1,275–$1,835

What drives the cost of insuring a Cadillac CT5

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Cadillac CT5's results put our vehicle factor at 0.85× for liability, 1.24× for collision and 1.11× for comprehensive.

HLDI relative insurance losses — Cadillac CT5 4dr (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	121	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	108	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	78	Much better than average	Damage this car does to other vehicles and property
Personal injury protection	125	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Cadillac CT5 4dr	121	108	78	—
Cadillac CT5-V 4dr	131	134	65	—
Cadillac CT5 4dr 4WD	109	98	87	—
Cadillac CT5-V 4dr 4WD	116	—	64	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 1 NHTSA recall campaigns and 15 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Cadillac CT5 trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
CT5	RWD	2.0L 4-cyl Turbo	26
CT5	RWD	3.0L 6-cyl Turbo	22
CT5 AWD	AWD	2.0L 4-cyl Turbo	24
CT5 AWD	AWD	3.0L 6-cyl Turbo	21
CT5 V	RWD	3.0L 6-cyl Turbo	21
CT5 V	RWD	6.2L 8-cyl Supercharged	15
CT5 V AWD	AWD	3.0L 6-cyl Turbo	20

Cadillac CT5 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 6.2L 8-cyl Supercharged	AWD, RWD	15–26	$1,555
2025	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 6.2L 8-cyl Supercharged	AWD, RWD	15–26	$1,515
2024	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 6.2L 8-cyl Supercharged	AWD, RWD	15–27	$1,480
2023	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 6.2L 8-cyl Supercharged	AWD, RWD	15–27	$1,440
2022	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo, 6.2L 8-cyl Supercharged	AWD, RWD	15–27	$1,405
2021	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	21–26	$1,365
2020	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	20–26	$1,330

Cadillac CT5 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,380	$405	−11%
Alaska	$1,370	$530	−12%
Arizona	$1,620	$560	+4%
Arkansas	$1,410	$380	−9%
California	$1,555	$485	0%
Colorado	$1,780	$555	+14%
Connecticut	$1,625	$605	+5%
Delaware	$1,680	$680	+8%
District of Columbia	$1,975	$630	+27%
Florida	$2,125	$915	+37%
Georgia	$1,870	$740	+20%
Hawaii	$1,090	$370	−30%
Idaho	$1,060	$340	−32%
Illinois	$1,365	$425	−12%
Indiana	$1,120	$345	−28%
Iowa	$1,095	$265	−30%
Kansas	$1,275	$340	−18%
Kentucky	$1,300	$445	−16%
Louisiana	$2,135	$670	+37%
Maine	$1,005	$360	−35%
Maryland	$1,730	$640	+11%
Massachusetts	$1,535	$500	−1%
Michigan	$1,710	$650	+10%
Minnesota	$1,320	$400	−15%
Mississippi	$1,510	$450	−3%
Missouri	$1,430	$435	−8%
Montana	$1,280	$335	−18%
Nebraska	$1,280	$340	−18%
Nevada	$1,710	$735	+10%
New Hampshire	$1,125	$340	−28%
New Jersey	$1,820	$795	+17%
New Mexico	$1,410	$440	−9%
New York	$2,035	$790	+31%
North Carolina	$1,200	$380	−23%
North Dakota	$1,045	$235	−33%
Ohio	$1,125	$345	−28%
Oklahoma	$1,435	$400	−8%
Oregon	$1,360	$530	−13%
Pennsylvania	$1,385	$360	−11%
Rhode Island	$1,845	$695	+19%
South Carolina	$1,625	$620	+5%
South Dakota	$1,250	$265	−20%
Tennessee	$1,320	$385	−15%
Texas	$1,865	$585	+20%
Utah	$1,380	$555	−11%
Vermont	$1,050	$270	−32%
Virginia	$1,340	$530	−14%
Washington	$1,330	$500	−14%
West Virginia	$1,330	$370	−14%
Wisconsin	$1,080	$315	−31%
Wyoming	$1,275	$275	−18%

Cadillac CT5 insurance by driver profile

Estimated annual Cadillac CT5 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,430	$2,075	$4,275	$356
Young adult (22)	$835	$1,210	$2,490	$208
Adult in their 30s	$520	$755	$1,555	$130
Adult in their 50s	$480	$695	$1,430	$119
Senior (72)	$585	$845	$1,740	$145
30s, one at-fault accident	$755	$1,095	$2,255	$188
30s, DUI on record	$965	$1,395	$2,875	$240

Cadillac CT5 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Cadillac CT5	$1,555	121	108	—
Lexus IS	$1,835	158	150	—
Lexus ES	$1,590	121	108	—
BMW 7 Series	$3,710	405	363	—

Estimate Cadillac CT5 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Cadillac models

Escalade $1,655/yr
LYRIQ $1,615/yr
OPTIQ $1,895/yr
VISTIQ $1,895/yr
CELESTIQ $1,865/yr
CT4 $1,575/yr
XT5 $1,405/yr
XT4 $1,345/yr
XT6 $1,485/yr
CT6 $1,520/yr
ATS $1,450/yr
CTS $1,450/yr
XTS $1,450/yr
ELR $1,350/yr
SRX $1,310/yr
DTS $1,345/yr
STS $1,345/yr
XLR $1,580/yr
DeVille $1,345/yr

All Cadillac insurance costs →

Frequently asked questions

How much is insurance for a Cadillac CT5?

We estimate about $1,555 a year ($130 a month) for full coverage and $520 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% less than the average vehicle.

Is the Cadillac CT5 expensive to insure?

HLDI insurance-loss data rates it at 121 for collision and 108 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Cadillac CT5?

Maine has the lowest estimate (about $1,005 a year for full coverage) and Louisiana the highest (about $2,135).

What is the Cadillac CT5's NHTSA safety rating?

The 2026 Cadillac CT5 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Cadillac CT5 cheaper to insure than the Lexus IS?

By our estimate the Cadillac CT5 costs about $1,555 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Cadillac CT5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,275 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page