2023 Cadillac CT5 Car Insurance Calculator

Discover and learn how changing risk factors impact car insurance rates for a 2023 Cadillac CT5. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2023 Cadillac CT5 is $2,450 per year, or about $204 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

$2,450

Cost Per Month

$204

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 2023 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.

$2,450
Average Rate
Your Rate
$2,450

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 2023 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 2023 Cadillac CT5 is $2,450.

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.

2023 Cadillac CT5 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Cadillac CT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450--
2Lexus ES 350$2,460$10
3Lexus ES 250$2,472$22
4Lexus RC 300$2,482$32
5Mercedes-Benz AMG CLA35$2,488$38
6Audi A3$2,492$42
7Mercedes-Benz AMG CLA45$2,546$96
8Mercedes-Benz CLA250$2,554$104
9Lexus IS 300$2,568$118
10Jaguar XF$2,578$128
11Audi S4$2,628$178
12BMW i4$2,636$186
13Mercedes-Benz E350$2,654$204
14Lexus ES 300h$2,690$240
15BMW 530i$2,742$292
16Audi A6$2,798$348
17Audi S5$2,802$352
18BMW 540i$2,808$358
19BMW 430i$2,856$406
20Lexus IS 500$2,858$408
21Mercedes-Benz E450$2,886$436
22Genesis G80$2,892$442
2023 Midsize Luxury Car Average$2,899$449
23Mercedes-Benz CLS450$2,968$518
24Mercedes-Benz EQE 350$2,988$538
25Audi RS 5$2,996$546
26BMW 530e$3,014$564
27Audi S6$3,044$594
28Mercedes-Benz AMG C43$3,048$598
29BMW M440i$3,052$602
30Mercedes-Benz EQE 500$3,056$606
31Audi A7$3,176$726
32Infiniti Q50$3,180$730
33Lexus LC 500h$3,414$964
34BMW M550i$3,420$970
35Tesla Model S$3,498$1,048
36Audi S7$3,520$1,070
37BMW M5$3,624$1,174
38BMW M8$3,824$1,374

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.

2023 CT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Cadillac CT5 Insurance Rates by Trim Level
2023 Cadillac CT5 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,230$186
Luxury Sedan AWD$2,288$191
Premium Luxury Sedan$2,350$196
Sport Sedan$2,376$198
Premium Luxury AWD$2,396$200
Sport AWD$2,420$202
V Series Sedan$2,518$210
V Series Sedan AWD$2,552$213
V Series Blackwing$2,928$244

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 2023 Cadillac CT5 for different driver ages.

2023 Cadillac CT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,650$721
17$8,384$699
18$7,522$627
19$6,855$571
20$5,258$438
21$5,020$418
22$4,502$375
23$3,702$309
24$3,499$292
25$2,846$237
30$2,612$218
35$2,518$210
40$2,450$204
45$2,290$191
50$2,170$181
55$2,024$169
60$2,030$169
65$2,158$180
70$2,330$194
75$2,734$228
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.