Cadillac CT5 Insurance Cost: Rates, Comparisons, Savings

We compared rate quotes for the cheapest Luxury Sedan trim up to the top tier V Series Blackwing model to see how insurance on a CT5 ranks against the entire midsize luxury car segment.

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  • Cadillac CT5 insurance costs an average of $2,526 per year for a full coverage policy.
  • The cheapest trim level of Cadillac CT5 to insure is the Luxury Sedan at $2,288 per year.
  • Out of 34 models in the midsize luxury car segment, the CT5 ranks seventh for car insurance cost.

How much does Cadillac CT5 car insurance cost?

Ranked seventh out of 34 vehicles in the midsize luxury car class, Cadillac CT5 insurance rates average $2,526 a year, or $211 a month. With the average midsize luxury car costing $2,874 a year to insure, the Cadillac CT5 could save around $348 or more each year.

The chart below displays average 2024 Cadillac CT5 car insurance rates using a variety of different risk scenarios.

Average 2024 Cadillac CT5 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Cadillac CT5 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Cadillac CT5 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Cadillac CT5 trim levels.

2024 Cadillac CT5 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,768$481
Safe Driver Age 20$5,042$420
At-fault Accidents Age 40$3,556$296
Low Deductibles Age 40$3,316$276
Safe Driver Age 30$2,694$225
Safe Driver Age 40$2,526$211
Safe Driver Age 50$2,234$186
High Deductibles Age 40$2,116$176
Discount Rate Age 40$2,096$175
Safe Driver Age 60$2,088$174

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Cadillac CT5 trim levels. Updated June 27, 2025

The data below illustrates average full coverage auto insurance policy costs for a Cadillac CT5 for the 2020 to 2024 model years.

Cadillac CT5 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Cadillac CT5$5,042$2,526$2,088
2023 Cadillac CT5$4,902$2,450$2,030
2022 Cadillac CT5$4,922$2,446$2,026
2021 Cadillac CT5$4,900$2,428$2,012
2020 Cadillac CT5$4,750$2,354$1,952

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 CT5 trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2020 to 2024 Cadillac CT5 models for drivers age 20, 40 and 60
Average insurance rates for 2020 to 2024 Cadillac CT5 models for drivers age 20, 40 and 60

The table below shows the estimated yearly and semi-annual policy costs, in addition to a monthly budget estimate, for each Cadillac CT5 model and trim level.

2024 Cadillac CT5 Insurance Rates by Trim Level
2024 Cadillac CT5 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,288$191
Luxury Sedan AWD$2,354$196
Premium Luxury Sedan$2,416$201
Sport Sedan$2,448$204
Premium Luxury AWD$2,466$206
Sport AWD$2,496$208
V Series Sedan$2,606$217
V Series Sedan AWD$2,634$220
V Series Blackwing$3,018$252

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. Updated June 27, 2025

Insurance cost by trim level for a 2024 Cadillac CT5 ranging from the Luxury Sedan model at $2,288 per year to the V Series Blackwing model at $3,018
Insurance cost by trim level for a 2024 Cadillac CT5 ranging from the Luxury Sedan model at $2,288 per year to the V Series Blackwing model at $3,018

How do CT5 insurance rates rank?

The Cadillac CT5 ranks seventh out of 34 total vehicles in the midsize luxury car segment for car insurance affordability. The CT5 costs an estimated $2,526 per year to insure for full coverage and the category average cost is $2,874 per year, a difference of $348 per year.

When rates are compared to random models in the midsize luxury car segment, auto insurance rates for a Cadillac CT5 cost $80 more per year than the Lexus ES 350, $322 less than the BMW 530i, and $124 less than the Infiniti Q50.

The next table shows how well the CT5 fares against the top-selling midsize luxury cars in the U.S. like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.

Insurance Cost Comparison: Cadillac CT5 vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$116
2Lexus IS 300$2,414-$112
3Lexus ES 350$2,446-$80
4Mercedes-Benz AMG CLA35$2,456-$70
5Lexus RC 300$2,462-$64
6Jaguar XF$2,476-$50
7Cadillac CT5$2,526--
8Lexus ES 250$2,534$8
9Lexus ES 300h$2,572$46
10Audi A3$2,634$108
11Infiniti Q50$2,650$124
12Mercedes-Benz AMG CLA45$2,682$156
13Audi S4$2,692$166
14Mercedes-Benz EQE 350$2,724$198
15BMW i4$2,734$208
16Lexus IS 500$2,770$244
17BMW 530i$2,848$322
18Audi S5$2,890$364
19BMW 540i$2,900$374
20BMW 430i$2,940$414
21BMW i5$2,960$434
22Genesis G80$2,976$450
23Mercedes-Benz EQE 500$3,008$482
24Mercedes-Benz AMG C43$3,024$498
25Audi A6$3,036$510
26Tesla Model S$3,070$544
27BMW 530e$3,100$574
28Audi RS 5$3,106$580
29Audi S6$3,128$602
30BMW M440i$3,206$680
31Audi A7$3,268$742
32Lexus LC 500h$3,508$982
33Audi S7$3,624$1,098
34BMW M8$3,948$1,422

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 vehicle from the 2024 model year. Updated June 27, 2025

At $2,526 per year, insurance cost for a 2024 Cadillac CT5 ranks seventh out of 34 models in the midsize luxury car segment
At $2,526 per year, insurance cost for a 2024 Cadillac CT5 ranks seventh out of 34 models in the midsize luxury car segment