2020 Cadillac CT5 Car Insurance Calculator

See and learn how different risk factors affect the cost of insurance for a 2020 Cadillac CT5. Ajust options like homeowner status, credit history, and policy coverages to see how insurance rates are affected. Know immediately if rates increase or decrease and why.

The average estimated car insurance premium for a 2020 Cadillac CT5 is $2,354 per year, or about $196 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,354

Cost Per Month

$196

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Cadillac CT5 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 Cadillac CT5.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,354
Average Rate
Your Rate
$2,354

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 Cadillac CT5 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Cadillac CT5 is $2,354.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Cadillac CT5 Segment Comparison

The table below compares insurance rates for the 2020 Cadillac CT5 against all other models in the midsize luxury car segment. The Cadillac CT5 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Cadillac CT5, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Cadillac CT5.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Cadillac CT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$468
2Lexus RC 300$2,168-$186
3Mercedes-Benz SLC300$2,230-$124
4Lexus ES 350$2,238-$116
5Lincoln MKZ$2,248-$106
6Mercedes-Benz AMG CLA45$2,268-$86
7Jaguar XE$2,272-$82
8Lexus IS 300$2,276-$78
9Audi A3$2,316-$38
10Cadillac CT5$2,354--
11Audi S5$2,414$60
12Lexus GS 350$2,478$124
13Mercedes-Benz E350$2,488$134
14Lexus ES 300H$2,526$172
15Audi S4$2,550$196
16BMW 530i$2,558$204
17BMW 540i$2,582$228
18Mercedes-Benz CLA250$2,598$244
19Genesis G80$2,604$250
20Audi A6$2,614$260
21Mercedes-Benz E450$2,644$290
22BMW 430i$2,666$312
23Mercedes-Benz CLS450$2,700$346
24Jaguar XF$2,702$348
2020 Midsize Luxury Car Average$2,704$350
25BMW 440i$2,796$442
26Mercedes-Benz AMG C43$2,804$450
27Mercedes-Benz SL450$2,822$468
28Audi RS 5$2,838$484
29Audi S6$2,898$544
30Infiniti Q50$2,926$572
31BMW 530e$2,942$588
32Lexus GS F$3,016$662
33Mercedes-Benz AMG C63$3,056$702
34BMW M550i$3,110$756
35Mercedes-Benz SL550$3,136$782
36Tesla Model S$3,192$838
37Audi A7$3,236$882
38Lexus LC 500H$3,320$966
39Audi S7$3,444$1,090
40BMW M8$3,448$1,094
41BMW M5$3,494$1,140

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 CT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Cadillac CT5.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Cadillac CT5 Insurance Rates by Trim Level
2020 Cadillac CT5 Trim Level Annual Premium Cost Per Month
Luxury Parking Sedan$2,230$186
Luxury Sedan$2,230$186
Luxury Sun and Sound Sedan$2,230$186
Luxury AWD$2,290$191
Luxury Parking AWD$2,290$191
Luxury Sun and Sound AWD$2,290$191
Premium Luxury Convenience 1 Sedan$2,290$191
Premium Luxury Parking Sedan$2,290$191
Premium Luxury Sedan$2,290$191
Premium Luxury Sun and Sound Sedan$2,290$191
Sport Convenience 1 Sedan$2,290$191
Sport Parking Sedan$2,290$191
Sport Sedan$2,290$191
Sport Sun and Sound Sedan$2,290$191
Premium Luxury AWD$2,398$200
Premium Luxury Convenience 2 AWD$2,398$200
Premium Luxury Convenience 2 Sedan$2,398$200
Premium Luxury Parking AWD$2,398$200
Premium Luxury Platinum Sedan$2,398$200
Premium Luxury Sun and Sound AWD$2,398$200
Sport AWD$2,398$200
Sport Convenience 1 AWD$2,398$200
Sport Convenience 2 Sedan$2,398$200
Sport Parking AWD$2,398$200
Sport Sun and Sound AWD$2,398$200
Premium Luxury Convenience 1 AWD$2,458$205
Premium Luxury Platinum AWD$2,458$205
Sport Convenience 2 AWD$2,458$205
Sport Premium Sedan$2,458$205
Sport Premium AWD$2,520$210

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Cadillac CT5 for different driver ages.

2020 Cadillac CT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,415$701
17$8,155$680
18$7,310$609
19$6,652$554
20$5,093$424
21$4,858$405
22$4,349$362
23$3,568$297
24$3,370$281
25$2,736$228
30$2,510$209
35$2,420$202
40$2,354$196
45$2,200$183
50$2,082$174
55$1,946$162
60$1,952$163
65$2,080$173
70$2,248$187
75$2,646$221
80$3,264$272

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Cadillac CT5 trim levels.