2016 Cadillac CTS Car Insurance Calculator

See and learn how different factors affect car insurance rates for a 2016 Cadillac CTS. Customize policy discounts, trim level options, driving record, and coverage amounts to learn how each affects rates. Know immediately if the change results in higher or lower rates.

The average estimated car insurance premium for a 2016 Cadillac CTS is $1,808 per year, or about $151 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

$1,808

Cost Per Month

$151

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 2016 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.

$1,808
Average Rate
Your Rate
$1,808

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 2016 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 2016 Cadillac CTS is $1,808.

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.

2016 Cadillac CTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 Cadillac CTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XTS$1,784-$24
2Cadillac CTS$1,808--
3Audi A5$1,876$68
4Lincoln MKS$1,908$100
5Cadillac CT6$1,924$116
6Kia K900$2,152$344
7Acura RLX$2,156$348
8Infiniti Q70L$2,162$354
9Mercedes-Benz CLS550$2,204$396
10Lexus GS 450$2,218$410
11Infiniti Q70$2,228$420
12Hyundai Equus$2,256$448
13Lexus LS 460$2,358$550
14Mercedes-Benz C63 AMG$2,434$626
15Cadillac CTS-V$2,440$632
16BMW 740i$2,482$674
17Jaguar XJ$2,498$690
18Mercedes-Benz E63 AMG$2,508$700
19BMW 650i$2,680$872
20Maserati Ghibli$2,684$876
2016 Large Luxury Car Average$2,713$905
21Jaguar XJ Super$2,752$944
22BMW 750i$2,772$964
23Audi RS 7$2,828$1,020
24Audi S8$2,856$1,048
25Lexus LS 600H$2,876$1,068
26Mercedes-Benz CLS63 AMG$2,878$1,070
27Mercedes-Benz S550$2,924$1,116
28Maserati Quattroporte$2,932$1,124
29Mercedes-Benz AMG$2,968$1,160
30Audi A8$3,014$1,206
31BMW Alpina B6$3,026$1,218
32Porsche Panamera$3,102$1,294
33Mercedes-Benz S63 AMG$3,330$1,522
34Mercedes-Benz S600$3,392$1,584
35Mercedes-Benz S65 AMG$3,910$2,102
36Mercedes-Benz S65$3,956$2,148
37Bentley Continental$4,024$2,216
38Bentley Mulsanne$4,798$2,990

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.

2016 CTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Cadillac CTS Insurance Rates by Trim Level
2016 Cadillac CTS Trim Level Annual Premium Cost Per Month
2 Sedan$1,712$143
2.0 AWD Sedan$1,712$143
2.0 AWD Luxury Collection Sedan$1,760$147
2.0 Luxury Collection Sedan$1,760$147
3.6 Luxury Collection Sedan$1,760$147
2.0 AWD Performance Collection Sedan$1,808$151
2.0 Performance Collection Sedan$1,808$151
3.6 AWD Luxury Collection Sedan$1,808$151
3.6 Performance Collection Sedan$1,808$151
3.6 TT VSport Sedan$1,808$151
2.0 AWD Premium Collection Sedan$1,856$155
2.0 Premium Collection Sedan$1,856$155
3.6 AWD Performance Collection Sedan$1,856$155
3.6 AWD Premium Collection Sedan$1,856$155
3.6 Premium Collection Sedan$1,856$155
3.6 TT VSport Premium Sedan$1,904$159

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 2016 Cadillac CTS for different driver ages.

2016 Cadillac CTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,299$525
17$6,122$510
18$5,529$461
19$5,025$419
20$3,865$322
21$3,691$308
22$3,314$276
23$2,718$227
24$2,575$215
25$2,098$175
30$1,934$161
35$1,858$155
40$1,808$151
45$1,690$141
50$1,600$133
55$1,496$125
60$1,498$125
65$1,592$133
70$1,706$142
75$1,986$166
80$2,440$203

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.