How Much is Insurance for a Cadillac CTS? Rates & Insights for 2025

How much does insurance on a Cadillac CTS cost? We ranked average car insurance rates from the base sedan up to the V-Sport Premium Luxury trim to see how they compared to other full-size luxury cars.

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How much does Cadillac CTS insurance cost?

Cadillac CTS car insurance rates average $2,124 per year for full coverage, which is about $177 each month.

On a per-coverage basis, collision coverage costs around $1,084 a year, liability/medical is about $496, and the remaining comprehensive coverage costs about $544.

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 $1,454 per year for a driver age 60 with a $1,000 policy deductible to the most expensive rate of $5,036 per year for a 20-year-old driver with a $250 policy deductible.

Average 2019 Cadillac CTS car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2019 Cadillac CTS car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2019 model year Cadillac CTS. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2019 Cadillac CTS Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,540$295
$500$4,266$356
$250$5,036$420
30-Year-Old$1,000$1,870$156
$500$2,272$189
$250$2,690$224
40-Year-Old$1,000$1,752$146
$500$2,124$177
$250$2,508$209
50-Year-Old$1,000$1,550$129
$500$1,868$156
$250$2,200$183
60-Year-Old$1,000$1,454$121
$500$1,750$146
$250$2,062$172

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2019 Cadillac CTS. Updated June 27, 2025

The following table shows average Cadillac CTS insurance rates for the 2013 to 2019 model years. Full-coverage auto insurance prices range from $1,608 for a 2013 Cadillac CTS to the most expensive cost of $2,124 for a 2019 model.

Cadillac CTS Insurance Cost for 2013-2019 Models
Model Year and Vehicle Annual Premium Cost Per Month
2019 Cadillac CTS$2,124$177
2018 Cadillac CTS$2,010$168
2017 Cadillac CTS$1,920$160
2016 Cadillac CTS$1,808$151
2015 Cadillac CTS$1,650$138
2014 Cadillac CTS$1,740$145
2013 Cadillac CTS$1,608$134

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 June 26, 2025

Average annual premium and cost per month to insure 2013 to 2024 Cadillac CTS models
Average annual premium and cost per month to insure 2013 to 2024 Cadillac CTS models

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 $2,124 per year to insure, while the category average rate is $2,981 per year, a difference of $857.

When Cadillac CTS insurance rates are compared to popular vehicles in the segment, the CTS costs $42 less per year than the Audi A5, $852 less than the BMW 740i, $134 less than the Cadillac XTS, and $96 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.

Cadillac CTS Insurance Cost vs Other Luxury Cars
Rank Make and Model Annual Premium Difference
1Cadillac CTS$2,124--
2Lincoln Continental$2,156$32
3Audi A5$2,166$42
4Cadillac CT6$2,220$96
5Cadillac XTS$2,258$134
6Volvo S90$2,358$234
7Infiniti Q70$2,436$312
8Acura RLX$2,512$388
9Infiniti Q60$2,614$490
10Lexus LS 500$2,644$520
11Lexus LS 500H$2,654$530
12Mercedes-Benz AMG E53$2,664$540
13Genesis G90$2,744$620
14Kia K900$2,784$660
15Mercedes-Benz AMG CLS53$2,796$672
16Cadillac CTS-V$2,810$686
17Mercedes-Benz S450$2,854$730
18Jaguar XJ$2,870$746
19BMW 740e$2,956$832
20BMW 740i$2,976$852
21BMW 650i$3,002$878
22BMW M850i$3,010$886
23Mercedes-Benz E63 AMG$3,210$1,086
24Audi A8$3,218$1,094
25Mercedes-Benz S560$3,228$1,104
26BMW 750i$3,234$1,110
27Porsche Panamera$3,394$1,270
28BMW M760i$3,870$1,746
29Mercedes-Benz AMG S63$3,958$1,834
30Mercedes-Benz S65 AMG$4,972$2,848
31Bentley Mulsanne$5,734$3,610

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 June 27, 2025

At $2,124 per year, insurance cost for a 2019 Cadillac CTS ranks first out of 31 models in the large luxury car segment
At $2,124 per year, insurance cost for a 2019 Cadillac CTS ranks first out of 31 models in the large luxury car segment

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 $2,000 per year, or about $167 per month. The next cheapest trim is the Luxury Sedan at $2,058 per year.

The two most expensive trim levels of Cadillac CTS to insure are the V-Sport Premium Luxury Sedan at $2,296 and the V-Sport Sedan at $2,178 per year. Those will cost an extra $296 and $178 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 Insurance Rates by Trim Level
2019 Cadillac CTS Trim Level Annual Premium Cost Per Month
AWD$2,000$167
Sedan$2,000$167
Luxury Sedan$2,058$172
Luxury AWD$2,090$174
Premium Luxury AWD$2,178$182
Premium Luxury Sedan$2,178$182
V-Sport Sedan$2,178$182
V-Sport Premium Luxury Sedan$2,296$191

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 26, 2025

Insurance cost by trim level for a 2019 Cadillac CTS ranging from the AWD model at $2,000 per year to the V-Sport Premium Luxury Sedan model at $2,296
Insurance cost by trim level for a 2019 Cadillac CTS ranging from the AWD model at $2,000 per year to the V-Sport Premium Luxury Sedan model at $2,296