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 2024 midsize luxury car segment.

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  • Cadillac CT5 insurance costs an average of $2,044 per year for a full coverage policy.
  • The cheapest trim level of Cadillac CT5 to insure is the Luxury Sedan at $1,850 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 $2,044 a year, or $170 a month. With the average midsize luxury car costing $2,328 a year to insure, the Cadillac CT5 could save around $284 or more each year.

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

Figure 1: Average 2024 Cadillac CT5 insurance premiums for different driver ages and risk scenarios. Rates updated on February 26, 2024.

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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.

Cadillac CT5 Car Insurance Rates
2024 Cadillac CT5 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,674$390
Safe Driver Age 20$4,088$341
At-fault Accidents Age 40$2,882$240
Low Deductibles Age 40$2,686$224
Safe Driver Age 30$2,184$182
Safe Driver Age 40$2,044$170
Safe Driver Age 50$1,812$151
High Deductibles Age 40$1,712$143
Discount Rate Age 40$1,700$142
Safe Driver Age 60$1,692$141

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 February 26, 2024

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$4,088$2,044$1,692
2023 Cadillac CT5$3,974$1,984$1,644
2022 Cadillac CT5$3,988$1,982$1,642
2021 Cadillac CT5$3,970$1,966$1,630
2020 Cadillac CT5$3,852$1,908$1,582

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 February 23, 2024

Cadillac CT5 Insurance Cost by Model Year

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$1,850$154
Luxury Sedan AWD$1,904$159
Premium Luxury Sedan$1,958$163
Sport Sedan$1,982$165
Premium Luxury AWD$1,998$167
Sport AWD$2,022$169
V Series Sedan$2,108$176
V Series Sedan AWD$2,134$178
V Series Blackwing$2,444$204

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 February 23, 2024

Cadillac CT5 Insurance Cost by Trim Level

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 $2,044 per year to insure for full coverage and the category average cost is $2,328 per year, a difference of $284 per year.

When rates are compared to random models in the midsize luxury car segment, auto insurance rates for a Cadillac CT5 cost $64 more per year than the Lexus ES 350, $262 less than the BMW 530i, and $104 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$1,954-$90
2Lexus IS 300$1,956-$88
3Lexus ES 350$1,980-$64
4Mercedes-Benz AMG CLA35$1,988-$56
5Lexus RC 300$1,994-$50
6Jaguar XF$2,008-$36
7Cadillac CT5$2,044--
8Lexus ES 250$2,054$10
9Lexus ES 300h$2,082$38
10Audi A3$2,132$88
11Infiniti Q50$2,148$104
12Mercedes-Benz AMG CLA45$2,174$130
13Audi S4$2,184$140
14Mercedes-Benz EQE 350$2,206$162
15BMW i4$2,214$170
16Lexus IS 500$2,242$198
17BMW 530i$2,306$262
18Audi S5$2,330$286
19BMW 540i$2,336$292
20BMW 430i$2,386$342
21BMW i5$2,396$352
22Genesis G80$2,408$364
23Mercedes-Benz EQE 500$2,436$392
24Mercedes-Benz AMG C43$2,452$408
25Audi A6$2,458$414
26Tesla Model S$2,488$444
27BMW 530e$2,510$466
28Audi RS 5$2,516$472
29Audi S6$2,534$490
30BMW M440i$2,600$556
31Audi A7$2,646$602
32Lexus LC 500h$2,842$798
33Audi S7$2,934$890
34BMW M8$3,198$1,154

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 February 23, 2024

Insurance Cost Comparison: Cadillac CT5 vs Midsize Luxury Cars