Why You’re Paying Too Much for Cadillac CT6 Insurance

• Cadillac CT6 car insurance costs an average of $2,578 per year or around $215 per month, depending on the trim level.
• Out of 24 vehicles in the large luxury car segment, the CT6 ranks fourth for insurance affordability.
• The Cadillac CT6 3.6L Luxury AWD model is the cheapest to insure at around $2,304 per year. The most expensive trim is the 4.2L TT Platinum AWD at $2,766 per year.

What is the average cost for Cadillac CT6 insurance?

Car insurance for a Cadillac CT6 costs an average of $2,578 per year for full coverage. Monthly insurance cost for a CT6 ranges from $192 to $231, depending on the trim level.

The average large luxury car costs $3,200 a year to insure, so drivers can expect to pay around $622 less per year to insure a CT6 when compared to the segment average.

The chart below demonstrates average car insurance rates for a 2020 Cadillac CT6 using variations of risk profiles and driver ages.

A few additional observations about Cadillac CT6 insurance prices include:

• Get cheaper rates because of your job. Most car insurance companies offer discounts for certain professions like emergency medical technicians, nurses, lawyers, college professors, firefighters, high school and elementary teachers, and other occupations. Earning this discount could potentially save between $77 and $216 on your annual car insurance cost.
• Driver gender influences rates. For a 2020 Cadillac CT6, a 20-year-old male driver will pay an estimated rate of $5,182 per year, while a 20-year-old woman will get a rate of $3,710, a difference of $1,472 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $2,272 and the female rate is $2,222, a difference of only $50.
• The older you get, the cheaper insurance rates become. The difference in insurance rates for a 2020 Cadillac CT6 between a 60-year-old driver ($2,128 per year) and a 20-year-old driver ($5,182 per year) is $3,054, or a savings of 83.6%.
• High risk CT6 insurance is expensive. For a 40-year-old driver, having enough accidents and violations to require a high-risk insurance policy can increase the cost by $3,090 or more per year.
• Qualify for discounts to lower insurance cost. Discounts may be available if the insured drivers are good students, belong to certain professional organizations, sign their policy early, choose electronic billing, or many other discounts which could save the average driver as much as $434 per year on Cadillac CT6 insurance.
• Good credit can save money. Drivers who have credit scores over 800 could save a minimum of $405 per year versus a good credit rating of 670-739. Conversely, a less-than-perfect credit score could cost up to $469 more per year.

Where does CT6 insurance cost rank?

The Cadillac CT6 ranks fourth out of 24 comparison vehicles in the large luxury car category. The CT6 costs an average of $2,578 per year for full coverage insurance, while the category average rate is $3,200 annually, a difference of $622 per year.

When CT6 insurance cost is compared directly to the top-selling vehicles in the large luxury car segment, insurance for a Cadillac CT6 costs $238 more per year than the Audi A5, $842 less than the BMW 740i, $150 more than the Lincoln Continental, and $1,028 less than the Porsche Panamera.

The chart below shows how average Cadillac CT6 car insurance rates fare against the top-selling large luxury sedans in America. A larger table is included below the chart showing rates for all 24 models in the 2020 large luxury car class and how they compare to the CT6.

What is the cheapest CT6 model to insure?

The cheapest model of Cadillac CT6 to insure is the 3.6L Luxury AWD at $2,304 per year. The next cheapest model is the 3.6L Premium Luxury AWD at $2,494 per year.

The two most expensive CT6 models to insure are the Cadillac CT6 4.2L TT V Series AWD and the 4.2L TT Platinum AWD at around $2,748 and $2,766 per year, respectively.

The table below displays the estimated yearly and 6-month policy costs, in addition to a monthly budget figure, for each Cadillac CT6 trim level.

Will buying an older CT6 save on insurance?

Driving an older Cadillac CT6 could save as much as $606 each year when comparing insurance cost for a 2016 model to the 2020 model.

The following table shows average estimated insurance rates for a Cadillac CT6 for different model years. Policy cost ranges from the most affordable rate of $1,972 for a 2016 Cadillac CT6 to the most expensive rate of $2,578 for a 2020 CT6.