- Cadillac CT5 insurance costs an average of $2,586 per year for a full coverage policy.
- The cheapest trim level of Cadillac CT5 to insure is the Luxury Sedan at $2,342 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 $2,586 a year, or $216 a month. With the average midsize luxury car costing $2,944 a year to insure, the Cadillac CT5 could save around $358 or more each year.
The chart below displays average 2024 Cadillac CT5 car insurance rates using a variety of different risk scenarios.
The data below illustrates average full coverage auto insurance policy costs for a Cadillac CT5 for the 2020 to 2024 model years.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Cadillac CT5 | $5,168 | $2,586 | $2,140 |
| 2023 Cadillac CT5 | $5,024 | $2,510 | $2,078 |
| 2022 Cadillac CT5 | $5,042 | $2,504 | $2,076 |
| 2021 Cadillac CT5 | $5,022 | $2,486 | $2,060 |
| 2020 Cadillac CT5 | $4,868 | $2,410 | $1,996 |
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 October 24, 2025
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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Luxury Sedan | $2,342 | $195 |
| Luxury Sedan AWD | $2,408 | $201 |
| Premium Luxury Sedan | $2,474 | $206 |
| Sport Sedan | $2,506 | $209 |
| Premium Luxury AWD | $2,526 | $211 |
| Sport AWD | $2,558 | $213 |
| V Series Sedan | $2,666 | $222 |
| V Series Sedan AWD | $2,698 | $225 |
| V Series Blackwing | $3,090 | $258 |
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 October 24, 2025
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 $2,586 per year to insure for full coverage and the category average cost is $2,944 per year, a difference of $358 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, $330 less than the BMW 530i, and $130 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $2,468 | -$118 |
| 2 | Lexus IS 300 | $2,474 | -$112 |
| 3 | Lexus ES 350 | $2,506 | -$80 |
| 4 | Mercedes-Benz AMG CLA35 | $2,516 | -$70 |
| 5 | Lexus RC 300 | $2,522 | -$64 |
| 6 | Jaguar XF | $2,538 | -$48 |
| 7 | Cadillac CT5 | $2,586 | -- |
| 8 | Lexus ES 250 | $2,596 | $10 |
| 9 | Lexus ES 300h | $2,634 | $48 |
| 10 | Audi A3 | $2,698 | $112 |
| 11 | Infiniti Q50 | $2,716 | $130 |
| 12 | Mercedes-Benz AMG CLA45 | $2,748 | $162 |
| 13 | Audi S4 | $2,760 | $174 |
| 14 | Mercedes-Benz EQE 350 | $2,792 | $206 |
| 15 | BMW i4 | $2,800 | $214 |
| 16 | Lexus IS 500 | $2,836 | $250 |
| 17 | BMW 530i | $2,916 | $330 |
| 18 | Audi S5 | $2,958 | $372 |
| 19 | BMW 540i | $2,974 | $388 |
| 20 | BMW 430i | $3,014 | $428 |
| 21 | BMW i5 | $3,030 | $444 |
| 22 | Genesis G80 | $3,046 | $460 |
| 23 | Mercedes-Benz EQE 500 | $3,080 | $494 |
| 24 | Mercedes-Benz AMG C43 | $3,102 | $516 |
| 25 | Audi A6 | $3,108 | $522 |
| 26 | Tesla Model S | $3,146 | $560 |
| 27 | BMW 530e | $3,176 | $590 |
| 28 | Audi RS 5 | $3,180 | $594 |
| 29 | Audi S6 | $3,204 | $618 |
| 30 | BMW M440i | $3,286 | $700 |
| 31 | Audi A7 | $3,346 | $760 |
| 32 | Lexus LC 500h | $3,592 | $1,006 |
| 33 | Audi S7 | $3,710 | $1,124 |
| 34 | BMW M8 | $4,044 | $1,458 |
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 October 24, 2025
