2021 Cadillac CT5 Car Insurance Calculator

Discover how different factors affect the cost of insurance for a 2021 Cadillac CT5. Change your location, homeowner status, credit score, and policy coverages plus many other factors. Get instant feedback if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2021 Cadillac CT5 is $2,428 per year, or about $202 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

$2,428

Cost Per Month

$202

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 2021 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.

$2,428
Average Rate
Your Rate
$2,428

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 2021 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 2021 Cadillac CT5 is $2,428.

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.

2021 Cadillac CT5 Segment Comparison

The table below compares insurance rates for the 2021 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.

2021 Cadillac CT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$482
2Lexus RC 300$2,240-$188
3Lexus ES 350$2,310-$118
4Mercedes-Benz AMG CLA45$2,322-$106
5Lexus IS 300$2,352-$76
6Audi A3$2,386-$42
7Cadillac CT5$2,428--
8Audi S5$2,494$66
9Mercedes-Benz E350$2,568$140
10Lexus ES 300H$2,606$178
11Audi S4$2,630$202
12BMW 530i$2,638$210
13BMW 540i$2,668$240
14Mercedes-Benz CLA250$2,682$254
15Genesis G80$2,692$264
16Audi A6$2,698$270
17Mercedes-Benz E450$2,732$304
18BMW 430i$2,754$326
19Jaguar XF$2,756$328
20Mercedes-Benz CLS450$2,790$362
2021 Midsize Luxury Car Average$2,813$385
21Mercedes-Benz AMG C43$2,880$452
22BMW 440i$2,894$466
23Audi RS 5$2,926$498
24Audi S6$2,994$566
25Infiniti Q50$3,016$588
26BMW 530e$3,032$604
27Mercedes-Benz AMG C63$3,158$730
28BMW M550i$3,220$792
29Tesla Model S$3,298$870
30Audi A7$3,344$916
31Lexus LC 500H$3,432$1,004
32Audi S7$3,562$1,134
33BMW M8$3,576$1,148
34BMW M5$3,612$1,184

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.

2021 CT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Cadillac CT5 Insurance Rates by Trim Level
2021 Cadillac CT5 Trim Level Annual Premium Cost Per Month
Luxury Parking Sedan$2,298$192
Luxury Sedan$2,298$192
Luxury Sun and Sound Sedan$2,298$192
Luxury AWD$2,362$197
Luxury Parking AWD$2,362$197
Luxury Sun and Sound AWD$2,362$197
Premium Luxury Convenience 1 Sedan$2,362$197
Premium Luxury Parking Sedan$2,362$197
Premium Luxury Sedan$2,362$197
Premium Luxury Sun and Sound Sedan$2,362$197
Sport Convenience 1 Sedan$2,362$197
Sport Parking Sedan$2,362$197
Sport Sedan$2,362$197
Sport Sun and Sound Sedan$2,362$197
Premium Luxury AWD$2,472$206
Premium Luxury Convenience 2 AWD$2,472$206
Premium Luxury Convenience 2 Sedan$2,472$206
Premium Luxury Parking AWD$2,472$206
Premium Luxury Platinum Sedan$2,472$206
Premium Luxury Sun and Sound AWD$2,472$206
Sport AWD$2,472$206
Sport Convenience 1 AWD$2,472$206
Sport Convenience 2 Sedan$2,472$206
Sport Parking AWD$2,472$206
Sport Sun and Sound AWD$2,472$206
Premium Luxury Convenience 1 AWD$2,538$212
Premium Luxury Platinum AWD$2,538$212
Sport Convenience 2 AWD$2,538$212
Sport Premium Sedan$2,538$212
Sport Premium AWD$2,600$217

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 2021 Cadillac CT5 for different driver ages.

2021 Cadillac CT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,663$722
17$8,402$700
18$7,546$629
19$6,861$572
20$5,255$438
21$5,013$418
22$4,489$374
23$3,678$307
24$3,476$290
25$2,822$235
30$2,588$216
35$2,492$208
40$2,428$202
45$2,266$189
50$2,148$179
55$2,006$167
60$2,012$168
65$2,144$179
70$2,316$193
75$2,724$227
80$3,360$280

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.