Cadillac CTS Car Insurance Calculator

Find out how choices you make impact car insurance rates for a Cadillac CTS. Tailor settings like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly how the rate changes based on your selections and learn why rates increased or decreased.

The average estimated car insurance premium for a 2019 Cadillac CTS is $2,124 per year, or about $177 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

$2,124

Cost Per Month

$177

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 CTS 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 Cadillac CTS.

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.

$2,124
Average Rate
Your Rate
$2,124

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Cadillac CTS.

The 'Average Rate' is a combined value for all Cadillac CTS 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 2019 Cadillac CTS is $2,124.

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.

2019 Cadillac CTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2019 Cadillac CTS against all other models in the large luxury car segment. The Cadillac CTS 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 CTS, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Cadillac CTS.

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

2019 Cadillac CTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CTS$2,124--
2Lincoln Continental$2,156$32
3Audi A5$2,166$42
4Cadillac CT6$2,220$96
5Cadillac XTS$2,258$134
6Volvo S90$2,358$234
7Infiniti Q70$2,436$312
8Acura RLX$2,512$388
9Infiniti Q60$2,614$490
10Lexus LS 500$2,644$520
11Lexus LS 500H$2,654$530
12Mercedes-Benz AMG E53$2,664$540
13Genesis G90$2,744$620
14Kia K900$2,784$660
15Mercedes-Benz AMG CLS53$2,796$672
16Cadillac CTS-V$2,810$686
17Mercedes-Benz S450$2,854$730
18Jaguar XJ$2,870$746
19BMW 740e$2,956$832
20BMW 740i$2,976$852
2019 Large Luxury Car Average$2,981$857
21BMW 650i$3,002$878
22BMW M850i$3,010$886
23Mercedes-Benz E63 AMG$3,210$1,086
24Audi A8$3,218$1,094
25Mercedes-Benz S560$3,228$1,104
26BMW 750i$3,234$1,110
27Porsche Panamera$3,394$1,270
28BMW M760i$3,870$1,746
29Mercedes-Benz AMG S63$3,958$1,834
30Mercedes-Benz S65 AMG$4,972$2,848
31Bentley Mulsanne$5,734$3,610

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.

2019 CTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 Cadillac CTS.

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.

2019 Cadillac CTS Insurance Rates by Trim Level
2019 Cadillac CTS Trim Level Annual Premium Cost Per Month
AWD$2,000$167
Sedan$2,000$167
Luxury Sedan$2,058$172
Luxury AWD$2,090$174
Premium Luxury AWD$2,178$182
Premium Luxury Sedan$2,178$182
V-Sport Sedan$2,178$182
V-Sport Premium Luxury Sedan$2,296$191

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 2019 Cadillac CTS for different driver ages.

2019 Cadillac CTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,413$618
17$7,232$603
18$6,579$548
19$5,954$496
20$4,582$382
21$4,371$364
22$3,928$327
23$3,194$266
24$3,031$253
25$2,468$206
30$2,272$189
35$2,174$181
40$2,124$177
45$1,976$165
50$1,868$156
55$1,746$146
60$1,750$146
65$1,868$156
70$1,996$166
75$2,320$193
80$2,856$238

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 CTS trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Cadillac CTS.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Cadillac CTS Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2019 Cadillac CTS$2,124$177
2018 Cadillac CTS$2,010$168
2017 Cadillac CTS$1,920$160
2016 Cadillac CTS$1,808$151
2015 Cadillac CTS$1,650$138
2014 Cadillac CTS$1,740$145
2013 Cadillac CTS$1,608$134

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 Cadillac CTS trim levels for each model year.