Cadillac CTS Insurance Cost
Full coverage for a Cadillac CTS costs about $1,450 a year ($121/month) by our estimate — ▼ −9% versus the average vehicle.
Cadillac CTS insurance cost at a glance
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 2019 model year. Our vehicle data covers the 2005–2019 model years of the Cadillac CTS, which is no longer in production.
| 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. | $585 | $49 | $480–$690 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $845 | $71 | $695–$1,000 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,450 | $121 | $1,190–$1,715 |
What drives the cost of insuring a Cadillac CTS
HLDI does not publish loss results for the Cadillac CTS, so our estimate uses the typical losses of its segment (Luxury car): 0.95× average for liability, 1.40× for collision and 1.25× for comprehensive.
- 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: 2 NHTSA recall campaigns and 45 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Cadillac CTS trims and configurations (2019)
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.) |
|---|---|---|---|
| CTS | RWD | 2.0L 4-cyl Turbo | 25 |
| CTS | RWD | 3.6L 6-cyl | 23 |
| CTS | RWD | 3.6L 6-cyl Turbo | 19 |
| CTS AWD | AWD | 2.0L 4-cyl Turbo | 24 |
| CTS AWD | AWD | 3.6L 6-cyl | 21 |
| CTS-V | RWD | 6.2L 8-cyl Supercharged | 16 |
Cadillac CTS 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 |
|---|---|---|---|---|
| 2019 | 2.0L 4-cyl Turbo, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD, RWD | 16–25 | $1,450 |
| 2018 | 2.0L 4-cyl Turbo, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD, RWD | 17–25 | $1,410 |
| 2017 | 2.0L 4-cyl Turbo, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD, RWD | 17–25 | $1,365 |
| 2016 | 2.0L 4-cyl Turbo, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD, RWD | 17–25 | $1,325 |
| 2015 | 2.0L 4-cyl Turbo, 3.6L 6-cyl, 3.6L 6-cyl Turbo | AWD, RWD | 14–24 | $1,320 |
| 2014 | 2.0L 4-cyl Turbo, 3.0L 6-cyl, 3.6L 6-cyl | AWD, RWD | 14–23 | $1,320 |
| 2013 | 3.0L 6-cyl, 3.6L 6-cyl, 6.2L 8-cyl Supercharged | AWD, RWD | 14–21 | $1,320 |
| 2012 | 3.0L 6-cyl, 3.6L 6-cyl, 6.2L 8-cyl Supercharged | AWD, RWD | 14–21 | $1,320 |
| 2011 | 3.0L 6-cyl, 3.6L 6-cyl, 6.2L 8-cyl Supercharged | AWD, RWD | 14–21 | $1,320 |
| 2010 | 3.0L 6-cyl, 3.6L 6-cyl, 6.2L 8-cyl Supercharged | AWD, RWD | 14–22 | $1,320 |
| 2009 | 3.6L 6-cyl | 4WD/AWD, RWD | 19–21 | $1,320 |
| 2008 | 3.6L 6-cyl | 4WD/AWD, RWD | 19–21 | $1,320 |
| 2007 | 2.8L 6-cyl, 3.6L 6-cyl, 6.0L 8-cyl | RWD | 16–19 | $1,320 |
| 2006 | 2.8L 6-cyl, 3.6L 6-cyl, 6.0L 8-cyl | RWD | 17–19 | $1,320 |
| 2005 | 2.8L 6-cyl, 3.6L 6-cyl, 5.7L 8-cyl | RWD | 16–19 | $1,320 |
Cadillac CTS 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 | $1,260 | $455 | −13% |
| Alaska | $1,270 | $595 | −12% |
| Arizona | $1,520 | $630 | +5% |
| Arkansas | $1,270 | $425 | −12% |
| California | $1,425 | $545 | −2% |
| Colorado | $1,640 | $620 | +13% |
| Connecticut | $1,550 | $675 | +7% |
| Delaware | $1,630 | $760 | +12% |
| District of Columbia | $1,830 | $705 | +26% |
| Florida | $2,090 | $1,025 | +44% |
| Georgia | $1,805 | $830 | +24% |
| Hawaii | $1,000 | $415 | −31% |
| Idaho | $985 | $380 | −32% |
| Illinois | $1,255 | $475 | −13% |
| Indiana | $1,030 | $385 | −29% |
| Iowa | $975 | $295 | −33% |
| Kansas | $1,145 | $385 | −21% |
| Kentucky | $1,220 | $500 | −16% |
| Louisiana | $2,010 | $750 | +39% |
| Maine | $920 | $405 | −37% |
| Maryland | $1,635 | $715 | +13% |
| Massachusetts | $1,430 | $565 | −1% |
| Michigan | $1,580 | $730 | +9% |
| Minnesota | $1,200 | $445 | −17% |
| Mississippi | $1,380 | $505 | −5% |
| Missouri | $1,310 | $485 | −10% |
| Montana | $1,145 | $375 | −21% |
| Nebraska | $1,150 | $385 | −21% |
| Nevada | $1,685 | $825 | +16% |
| New Hampshire | $1,030 | $380 | −29% |
| New Jersey | $1,760 | $890 | +21% |
| New Mexico | $1,300 | $495 | −10% |
| New York | $1,960 | $885 | +35% |
| North Carolina | $1,075 | $425 | −26% |
| North Dakota | $915 | $265 | −37% |
| Ohio | $1,035 | $385 | −29% |
| Oklahoma | $1,295 | $450 | −11% |
| Oregon | $1,310 | $595 | −10% |
| Pennsylvania | $1,260 | $405 | −13% |
| Rhode Island | $1,765 | $780 | +22% |
| South Carolina | $1,555 | $695 | +7% |
| South Dakota | $1,085 | $300 | −25% |
| Tennessee | $1,200 | $430 | −17% |
| Texas | $1,710 | $655 | +18% |
| Utah | $1,325 | $620 | −9% |
| Vermont | $935 | $300 | −36% |
| Virginia | $1,250 | $595 | −14% |
| Washington | $1,270 | $560 | −12% |
| West Virginia | $1,205 | $415 | −17% |
| Wisconsin | $985 | $355 | −32% |
| Wyoming | $1,110 | $310 | −23% |
Cadillac CTS insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,605 | $2,325 | $3,995 | $333 |
| Young adult (22) | $935 | $1,355 | $2,325 | $194 |
| Adult in their 30s | $585 | $845 | $1,450 | $121 |
| Adult in their 50s | $535 | $780 | $1,335 | $111 |
| Senior (72) | $655 | $950 | $1,625 | $135 |
| 30s, one at-fault accident | $845 | $1,225 | $2,105 | $175 |
| 30s, DUI on record | $1,080 | $1,565 | $2,685 | $224 |
Cadillac CTS vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Cadillac CTS | $1,450 | — | — | — |
| Lexus IS | $1,835 | 158 | 150 | — |
| Lexus ES | $1,590 | 121 | 108 | — |
| BMW 7 Series | $3,710 | 405 | 363 | — |
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Frequently asked questions
How much is insurance for a Cadillac CTS?
We estimate about $1,450 a year ($121 a month) for full coverage and $585 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% less than the average vehicle.
Which state is cheapest to insure a Cadillac CTS?
North Dakota has the lowest estimate (about $915 a year for full coverage) and Florida the highest (about $2,090).
What is the Cadillac CTS's NHTSA safety rating?
The 2019 Cadillac CTS earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Cadillac CTS cheaper to insure than the Lexus IS?
By our estimate the Cadillac CTS costs about $1,450 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.
How much is Cadillac CTS insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,995 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.