2018 Cadillac CTS Car Insurance Calculator

Learn how different driver, vehicle, and coverage options impact the cost of car insurance for a 2018 Cadillac CTS. Customize rate factors like annual miles driven, vehicle usage, driver gender, and your marital status. Find out instantly if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2018 Cadillac CTS is $2,010 per year, or about $168 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

$2,010

Cost Per Month

$168

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 2018 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.

$2,010
Average Rate
Your Rate
$2,010

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 2018 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 2018 Cadillac CTS is $2,010.

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.

2018 Cadillac CTS vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 Cadillac CTS Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,946-$64
2Cadillac CTS$2,010--
3Audi A5$2,090$80
4Cadillac XTS$2,130$120
5Cadillac CT6$2,156$146
6Volvo S90$2,234$224
7Lexus LS 500$2,318$308
8Infiniti Q70$2,324$314
9Acura RLX$2,364$354
10Lexus LS 500H$2,408$398
11Mercedes-Benz CLS550$2,464$454
12Lexus GS 450$2,488$478
13Infiniti Q60$2,536$526
14Mercedes-Benz C63 AMG$2,582$572
15Cadillac CTS-V$2,654$644
16Mercedes-Benz S450$2,680$670
17Jaguar XJ$2,692$682
18Genesis G90$2,700$690
2018 Large Luxury Car Average$2,783$773
19BMW 740e$2,804$794
20BMW 740i$2,824$814
21Mercedes-Benz S560$2,832$822
22BMW 650i$2,838$828
23Audi RS 7$2,940$930
24Mercedes-Benz E63 AMG$3,020$1,010
25Mercedes-Benz CLS63 AMG$3,046$1,036
26BMW 750i$3,054$1,044
27Maserati Ghibli$3,058$1,048
28Porsche Panamera$3,118$1,108
29Audi A8$3,148$1,138
30BMW Alpina B6$3,234$1,224
31Maserati Quattroporte$3,246$1,236
32Audi S8$3,346$1,336
33Mercedes-Benz AMG$3,372$1,362
34Mercedes-Benz AMG S63$3,438$1,428
35BMW M760i$3,668$1,658
36Mercedes-Benz S65 AMG$4,432$2,422

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.

2018 CTS Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Cadillac CTS Insurance Rates by Trim Level
2018 Cadillac CTS Trim Level Annual Premium Cost Per Month
AWD$1,902$159
Sedan$1,902$159
Luxury Sedan$1,958$163
Luxury AWD$1,986$166
Premium Luxury Sedan$2,014$168
Premium Luxury AWD$2,070$173
V-Sport Sedan$2,070$173
V-Sport Premium Luxury Sedan$2,182$182

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 2018 Cadillac CTS for different driver ages.

2018 Cadillac CTS Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,020$585
17$6,841$570
18$6,207$517
19$5,624$469
20$4,329$361
21$4,134$345
22$3,712$309
23$3,027$252
24$2,871$239
25$2,338$195
30$2,154$180
35$2,064$172
40$2,010$168
45$1,876$156
50$1,774$148
55$1,656$138
60$1,662$139
65$1,772$148
70$1,894$158
75$2,204$184
80$2,710$226

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.