2013 Cadillac CTS Car Insurance Calculator

Learn visually how different risk factors impact the cost of insurance for a 2013 Cadillac CTS. Customize liability limits, policy deductibles, driver age, and policy discounts to learn how each affects rates. Instantly know if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2013 Cadillac CTS is $1,608 per year, or about $134 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

$1,608

Cost Per Month

$134

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 2013 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.

$1,608
Average Rate
Your Rate
$1,608

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 2013 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 2013 Cadillac CTS is $1,608.

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.

2013 Cadillac CTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2013 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.

2013 Cadillac CTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$1,592-$16
2Cadillac CTS$1,608--
3Cadillac XTS$1,632$24
4Lincoln MKS$1,712$104
5Cadillac CTS-V$1,838$230
6Lexus GS 450$1,912$304
7Infiniti M56$1,938$330
8Lexus LS 460$1,940$332
9Hyundai Equus$1,952$344
10Mercedes-Benz CLS550$1,992$384
11Mercedes-Benz E63 AMG$2,100$492
12BMW 750xi$2,126$518
13BMW 740i$2,134$526
14Jaguar XJ$2,160$552
15Mercedes-Benz C63 AMG$2,206$598
16BMW 650i$2,244$636
17Jaguar XJ Super$2,248$640
18Mercedes-Benz CLS63 AMG$2,322$714
2013 Large Luxury Car Average$2,329$721
19Lexus LS 600H$2,352$744
20Audi S8$2,378$770
21BMW 750i$2,386$778
22Mercedes-Benz S550$2,390$782
23Porsche Panamera$2,440$832
24Audi A8$2,442$834
25Mercedes-Benz CL550$2,468$860
26Maserati Quattroporte$2,474$866
27Mercedes-Benz S63 AMG$2,590$982
28BMW 760i$2,606$998
29Mercedes-Benz S600$2,806$1,198
30Mercedes-Benz CL600$2,820$1,212
31Mercedes-Benz S65 AMG$3,112$1,504
32Mercedes-Benz CL65 AMG$3,218$1,610
33Bentley Continental$3,244$1,636
34Bentley Mulsanne$3,806$2,198

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.

2013 CTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 Cadillac CTS Insurance Rates by Trim Level
2013 Cadillac CTS Trim Level Annual Premium Cost Per Month
Luxury Collection Sedan$1,454$121
Luxury AWD Sedan$1,496$125
Performance Collection Sedan$1,496$125
Performance AWD Sedan$1,534$128
Premium Collection Sedan$1,534$128
Premium AWD Sedan$1,574$131
Base$1,580$132
AWD$1,620$135
Coupe$1,620$135
Luxury AWD$1,620$135
Luxury Collection$1,620$135
Performance Collection$1,620$135
AWD Coupe$1,658$138
Performance AWD$1,658$138
Performance Collection Coupe$1,658$138
Premium Collection$1,658$138
Performance AWD Coupe$1,686$141
Premium AWD$1,698$142
Premium Collection Coupe$1,712$143
Premium AWD Coupe$1,752$146

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 2013 Cadillac CTS for different driver ages.

2013 Cadillac CTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,807$484
17$5,573$464
18$4,900$408
19$4,507$376
20$3,434$286
21$3,276$273
22$2,922$244
23$2,444$204
24$2,295$191
25$1,864$155
30$1,710$143
35$1,660$138
40$1,608$134
45$1,516$126
50$1,442$120
55$1,346$112
60$1,348$112
65$1,428$119
70$1,558$130
75$1,856$155
80$2,282$190

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.