- Cadillac CTS insurance costs $2,174 per year on average, or around $181 per month, for full coverage.
- Out of 31 vehicles in the 2019 large luxury car segment, the CTS ranks first for insurance affordability.
- The base AWD sedan trim level has the cheapest Cadillac CTS insurance at around $2,050 per year. The most expensive trim is the V-Sport Premium Luxury Sedan at $2,352 per year.
How much does Cadillac CTS insurance cost?
Cadillac CTS car insurance rates average $2,174 per year for full coverage, which is about $181 each month.
On a per-coverage basis, collision coverage costs around $1,110 a year, liability/medical is about $508, and the remaining comprehensive coverage costs about $556.
The chart below shows how average CTS insurance rates change based on driver age and policy deductibles. Prices are per year, and range from the cheapest rate of $1,492 per year for a driver age 60 with a $1,000 policy deductible to the most expensive rate of $5,160 per year for a 20-year-old driver with a $250 policy deductible.
The following table shows average Cadillac CTS insurance rates for the 2013 to 2019 model years. Full-coverage auto insurance prices range from $1,652 for a 2013 Cadillac CTS to the most expensive cost of $2,174 for a 2019 model.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2019 Cadillac CTS | $2,174 | $181 |
| 2018 Cadillac CTS | $2,060 | $172 |
| 2017 Cadillac CTS | $1,968 | $164 |
| 2016 Cadillac CTS | $1,854 | $155 |
| 2015 Cadillac CTS | $1,692 | $141 |
| 2014 Cadillac CTS | $1,782 | $149 |
| 2013 Cadillac CTS | $1,652 | $138 |
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 CTS trim levels for each model year. Updated October 24, 2025
How does CTS car insurance cost rank?
The Cadillac CTS ranks first out of 31 comparison vehicles in the 2019 full-size luxury sedan category for insurance affordability. The CTS costs an average of $2,174 per year to insure, while the category average rate is $3,053 per year, a difference of $879.
When Cadillac CTS insurance rates are compared to popular vehicles in the segment, the CTS costs $44 less per year than the Audi A5, $874 less than the BMW 740i, $140 less than the Cadillac XTS, and $98 less than the Cadillac CT6.
The table below shows how well CTS insurance rates rank against the rest of the 2019 large luxury car segment for affordability.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Cadillac CTS | $2,174 | -- |
| 2 | Lincoln Continental | $2,208 | $34 |
| 3 | Audi A5 | $2,218 | $44 |
| 4 | Cadillac CT6 | $2,272 | $98 |
| 5 | Cadillac XTS | $2,314 | $140 |
| 6 | Volvo S90 | $2,416 | $242 |
| 7 | Infiniti Q70 | $2,496 | $322 |
| 8 | Acura RLX | $2,574 | $400 |
| 9 | Infiniti Q60 | $2,678 | $504 |
| 10 | Lexus LS 500 | $2,708 | $534 |
| 11 | Lexus LS 500H | $2,718 | $544 |
| 12 | Mercedes-Benz AMG E53 | $2,728 | $554 |
| 13 | Genesis G90 | $2,808 | $634 |
| 14 | Kia K900 | $2,850 | $676 |
| 15 | Mercedes-Benz AMG CLS53 | $2,862 | $688 |
| 16 | Cadillac CTS-V | $2,880 | $706 |
| 17 | Mercedes-Benz S450 | $2,924 | $750 |
| 18 | Jaguar XJ | $2,938 | $764 |
| 19 | BMW 740e | $3,028 | $854 |
| 20 | BMW 740i | $3,048 | $874 |
| 21 | BMW 650i | $3,074 | $900 |
| 22 | BMW M850i | $3,082 | $908 |
| 23 | Mercedes-Benz E63 AMG | $3,286 | $1,112 |
| 24 | Audi A8 | $3,296 | $1,122 |
| 25 | Mercedes-Benz S560 | $3,304 | $1,130 |
| 26 | BMW 750i | $3,312 | $1,138 |
| 27 | Porsche Panamera | $3,476 | $1,302 |
| 28 | BMW M760i | $3,964 | $1,790 |
| 29 | Mercedes-Benz AMG S63 | $4,054 | $1,880 |
| 30 | Mercedes-Benz S65 AMG | $5,092 | $2,918 |
| 31 | Bentley Mulsanne | $5,874 | $3,700 |
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 2019 model year. Updated October 24, 2025
Which CTS models have the cheapest insurance rates?
The cheapest trim levels of Cadillac CTS to insure are the base sedan 2WD and AWD models at an average cost of $2,050 per year, or about $171 per month. The next cheapest trim is the Luxury Sedan at $2,110 per year.
The two most expensive trim levels of Cadillac CTS to insure are the V-Sport Premium Luxury Sedan at $2,352 and the V-Sport Sedan at $2,232 per year. Those will cost an extra $302 and $182 per year, respectively, over the least expensive base sedan models.
The rate table below details average car insurance rates for each Cadillac CTS trim level for the 2019 model year.
| 2019 Cadillac CTS Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $2,050 | $171 |
| Sedan | $2,050 | $171 |
| Luxury Sedan | $2,110 | $176 |
| Luxury AWD | $2,140 | $178 |
| Premium Luxury AWD | $2,232 | $186 |
| Premium Luxury Sedan | $2,232 | $186 |
| V-Sport Sedan | $2,232 | $186 |
| V-Sport Premium Luxury Sedan | $2,352 | $196 |
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
