Why You’re Paying Too Much for Cadillac CT6 Insurance

How much does it cost to insure a Cadillac CT6?

From the 3.6L Luxury AWD model to the 4.2L TT Platinum AWD trim level, we calculated insurance rates to find out how the average cost ranks when compared to all other large luxury cars.

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What is the average cost for Cadillac CT6 insurance?

Car insurance for a Cadillac CT6 costs an average of $2,516 per year for full coverage. Monthly insurance cost for a CT6 ranges from $188 to $225, depending on the trim level.

The average large luxury car costs $3,122 a year to insure, so drivers can expect to pay around $606 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.

Average 2020 Cadillac CT6 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Cadillac CT6 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Cadillac CT6 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 CT6 trim levels.

2020 Cadillac CT6 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,762$480
Safe Driver Age 20$5,060$422
At-fault Accidents Age 40$3,536$295
Low Deductibles Age 40$3,366$281
Safe Driver Age 30$2,694$225
Safe Driver Age 40$2,516$210
Safe Driver Age 50$2,218$185
Discount Rate Age 40$2,092$174
High Deductibles Age 40$2,082$174
Safe Driver Age 60$2,078$173

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 2020 Cadillac CT6 trim levels. Updated June 27, 2025

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 $75 and $211 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 $5,060 per year, while a 20-year-old woman will get a rate of $3,620, a difference of $1,440 per year. Women get significantly cheaper rates. But by age 50, the cost for men is $2,218 and the female rate is $2,170, a difference of only $48.
  • 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 ($2,078 per year) and a 20-year-old driver ($5,060 per year) is $2,982, 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 $3,012 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 $424 per year on Cadillac CT6 insurance.
  • Good credit can save money. Drivers who have credit scores over 800 could save a minimum of $395 per year versus a good credit rating of 670-739. Conversely, a less-than-perfect credit score could cost up to $458 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 $2,516 per year for full coverage insurance, while the category average rate is $3,122 annually, a difference of $606 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 $232 more per year than the Audi A5, $824 less than the BMW 740i, $144 more than the Lincoln Continental, and $1,002 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.

Average 2020 Cadillac CT6 car insurance premium compared to other large luxury car models.
Figure 2: Average 2020 Cadillac CT6 car insurance premium compared to other large luxury car models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Cadillac CT6. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Cadillac CT6 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Cadillac CT6 Insurance Cost Compared to All Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,284-$232
2Lincoln Continental$2,372-$144
3Volvo S90$2,438-$78
4Cadillac CT6$2,516--
5Acura RLX$2,638$122
6Lexus LS 500H$2,744$228
7Kia K900$2,796$280
8Lexus LS 500$2,886$370
9Infiniti Q60$2,934$418
10Mercedes-Benz AMG E53$2,938$422
11Genesis G90$2,950$434
12Mercedes-Benz AMG CLS53$3,016$500
13BMW 840i$3,082$566
14Mercedes-Benz S450$3,214$698
15BMW M850i$3,232$716
16BMW 740i$3,340$824
17BMW 850i$3,368$852
18Mercedes-Benz E63 AMG$3,384$868
19Porsche Panamera$3,518$1,002
20Audi A8$3,578$1,062
21Mercedes-Benz S560$3,614$1,098
22BMW 750i$3,628$1,112
23BMW M760i$4,094$1,578
24Mercedes-Benz AMG S63$4,374$1,858

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 2020 model year. Updated June 27, 2025

What is the cheapest CT6 model to insure?

The cheapest model of Cadillac CT6 to insure is the 3.6L Luxury AWD at $2,250 per year. The next cheapest model is the 3.6L Premium Luxury AWD at $2,434 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 $2,682 and $2,700 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.

2020 Cadillac CT6 Insurance Rates by Trim Level
2020 Cadillac CT6 Trim Level Annual Premium Cost Per Month
3.6L Luxury AWD$2,250$188
3.6L Premium Luxury AWD$2,434$203
4.2L TT V Series AWD$2,682$224
4.2L TT Platinum AWD$2,700$225

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 2020 Cadillac CT6 ranging from the 3.6L Luxury AWD model at $2,250 per year to the 4.2L TT Platinum AWD model at $2,700
Insurance cost by trim level for a 2020 Cadillac CT6 ranging from the 3.6L Luxury AWD model at $2,250 per year to the 4.2L TT Platinum AWD model at $2,700

Will buying an older CT6 save on insurance?

Driving an older Cadillac CT6 could save as much as $592 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 $1,924 for a 2016 Cadillac CT6 to the most expensive rate of $2,516 for a 2020 CT6.

Cadillac CT6 Insurance Cost for 2016-2020 Models
Model Year and Vehicle Annual Premium Cost Per Month
2020 Cadillac CT6$2,516$210
2019 Cadillac CT6$2,220$185
2018 Cadillac CT6$2,156$180
2017 Cadillac CT6$2,054$171
2016 Cadillac CT6$1,924$160

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 CT6 trim levels for each model year. Updated June 26, 2025

Average annual premium and cost per month to insure 2016 to 2020 Cadillac CT6 models
Average annual premium and cost per month to insure 2016 to 2020 Cadillac CT6 models