Cadillac CT5 Car Insurance Cost 2025
On average, insuring a Cadillac CT5 costs $2,882 per year. However, your actual premium may vary depending on factors like your age, the model year of your car, and other personal details. You can use our quote tables below to get a more accurate estimate for your specific situation.
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If you’re thinking about buying a Cadillac CT5, it’s important to factor in the cost of insurance. Insurance plays a big role in owning a car, so it’s essential to understand the financial implications before making your decision. On average, insurance for a Cadillac CT5 costs $2,832 per year.
Choosing the right car insurance is crucial to avoid unexpected and potentially expensive expenses later on. Having inadequate coverage could leave you facing significant out-of-pocket costs in the event of an accident. Plus, if you’re deemed responsible for an accident, your premiums could go up.
With more than ten years of experience studying car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving history, and location can have a notable impact on the amount you’ll pay for insurance.
How Much Does A Cadillac CT5 Car Insurance Cost?
Cadillac CT5 drivers typically pay an average of $2,882 per year for car insurance.
The cost of car insurance can vary greatly based on several factors, including your location, driving history, the model year of your car, and the coverage options you choose. Keeping a clean driving record can lower your premiums, while accidents or traffic violations can raise them.
Living in an urban area with heavy traffic typically results in higher insurance rates compared to rural areas with less traffic. The type of coverage you select also plays a significant role—comprehensive coverage, which includes both collision and non-collision protection, usually costs more than basic liability coverage.
As shown in the table below, insuring a Cadillac CT5 is more expensive than the average cost for all Cadillac models and higher than the average cost for all vehicles.
Insuranceopedia can help you compare quotes from different auto insurance companies to ensure you find the best rate for your needs.
| Vehicle | Average Monthly Premium |
| Cadillac CT5 | $287 |
| All Cadillacs | $173 |
| All Cars | $175 |
Average Insurance Cost Of Cadillac CT5 By Model Year
| Model Year | Average Premium |
| 2024 Cadillac CT5 | $2,052 |
| 2023 Cadillac CT5 | $1,014 |
| 2022 Cadillac CT5 | $1,215 |
| 2021 Cadillac CT5 | $1,192 |
| 2020 Cadillac CT5 | $1,131 |
2024 Cadillac CT5 Insurance Rates
The average annual insurance cost for a 2024 Cadillac CT5 is $2,052. However, USAA offers the cheapest rates, averaging $1,473 per year.
| Insurance Provider | Average Annual Cost |
| CSAA | $2,192 |
| State Farm | $2,316 |
| California Capital | $1,856 |
| Metropolitan | $2,099 |
| Unitrin | $2,024 |
| 21st Century | $1,885 |
| Grange | $2,263 |
| USAA | $1,473 |
| Alliance United | $2,301 |
| Mercury | $2,110 |
2023 Cadillac CT5 Insurance Rates
The average annual insurance cost for a 2023 Cadillac CT5 is $1,014. However, Pekin Insurance offers the cheapest rates, averaging $602 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $602 |
| Safeco | $674 |
| SECURA Insurance | $1,132 |
| Travelers | $1,046 |
| Texas Farm Bureau Group | $780 |
| Country | $1,248 |
| Grange Mutual | $1,298 |
| Rockford Mutual Insurance | $1,464 |
| Hastings Mutual Insurance Co | $942 |
| Auto-Owners Insurance Co | $956 |
2022 Cadillac CT5 Insurance Rates
The average annual insurance cost for a 2022 Cadillac CT5 is $1,215. However, Pekin Insurance offers the cheapest rates, averaging $924 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,454 |
| Kemper Auto | Infinity | $925 |
| American National P | $1,103 |
| Safeco | $1,019 |
| Indiana Farmers Mutual Ins | $1,298 |
| SECURA Insurance | $1,199 |
| Clearcover | $1,476 |
| Buckeye Insurance Group | $1,501 |
| Capital Insurance Group | $1,255 |
| Pekin Insurance | $924 |
2021 Cadillac CT5 Insurance Rates
The average annual insurance cost for a 2021 Cadillac CT5 is $1,192. However, Safeco offers the cheapest rates, averaging $105 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,545 |
| SECURA Insurance | $1,205 |
| Capital Insurance Group | $1,225 |
| Pekin Insurance | $875 |
| Texas Farm Bureau Group | $1,341 |
| Hastings Mutual Insurance Co | $1,415 |
| Safeco | $105 |
| Direct Auto | $1,344 |
| Rockford Mutual Insurance | $1,474 |
| North Carolina Farm Bureau | $1,386 |
2020 Cadillac CT5 Insurance Rates
The average annual insurance cost for a 2020 Cadillac CT5 is $1,131. However, Plymouth Rock Assurance offers the cheapest rates, averaging $698 per year.
| Insurance Provider | Average Annual Cost |
| MO Farm Bureau Services | $1,331 |
| GMAC Insurance Group | $1,361 |
| Kemper Auto | Infinity | $1,263 |
| Texas Farm Bureau Group | $1,004 |
| New Jersey Manufacturers | $1,236 |
| Indiana Farmers Mutual Ins | $1,287 |
| North Carolina Farm Bureau | $1,123 |
| Safeco | $759 |
| Plymouth Rock Assurance | $698 |
| Tennessee Farmers | $1,244 |
Find Affordable Cadillac CT5 Insurance Rates
Is A Cadillac CT5 Expensive To Insure?
Insuring a Cadillac CT5 is more expensive than the average cost for all cars. However, the exact amount you’ll pay for car insurance depends on several factors, including your age, the age of your car, your location, and other variables.
Cost of Cadillac CT5 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers usually face the highest premiums because they are statistically more likely to be involved in accidents than other age groups. As you get older and gain more driving experience, your premiums typically decrease because you are considered a lower risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,763 | $14,401 | $16,770 |
| 18 | $9,063 | $13,418 | $15,686 |
| 19 | $8,030 | $11,803 | $13,826 |
| 20 | $6,978 | $10,270 | $12,017 |
| 21 | $5,896 | $8,610 | $10,133 |
| 22 | $5,713 | $8,450 | $9,815 |
| 23 | $4,995 | $7,366 | $8,628 |
| 24 | $4,779 | $6,966 | $8,207 |
| 25 | $4,071 | $6,009 | $7,053 |
| 30 | $3,172 | $4,690 | $5,537 |
| 35 | $2,955 | $4,421 | $5,109 |
| 40 | $2,897 | $4,272 | $4,993 |
| 45 | $2,769 | $4,132 | $4,865 |
| 55 | $2,533 | $3,745 | $4,455 |
| 65 | $2,703 | $3,939 | $4,664 |
| 75 | $3,372 | $4,974 | $5,858 |
Cadillac CT5 Car Insurance Rates By State
Your location has a significant impact on how insurance companies calculate your rates. Each state has its own auto insurance regulations, and some, like Michigan, require higher levels of coverage, which can lead to higher premiums.
The climate of your area also plays a role; states with extreme weather, such as hurricanes, storms, and flooding, typically see higher insurance rates. Additionally, crime rates and accident statistics, such as car thefts, crashes, and fatalities, vary by location and are considered by insurers when determining your Cadillac CT5 insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,037 | $4,487 | $5,647 |
| Alaska | $2,532 | $3,541 | $3,452 |
| Arizona | $2,882 | $4,161 | $6,133 |
| Arkansas | $3,132 | $4,911 | $5,465 |
| California | $3,532 | $6,125 | $3,513 |
| Colorado | $3,276 | $4,553 | $5,793 |
| Connecticut | $4,167 | $6,432 | $8,179 |
| Delaware | $3,415 | $4,629 | $5,894 |
| Florida | $4,087 | $5,636 | $7,410 |
| Georgia | $3,335 | $4,993 | $5,018 |
| Hawaii | $1,291 | $1,776 | $1,290 |
| Idaho | $2,308 | $3,091 | $3,696 |
| Illinois | $2,415 | $3,681 | $4,217 |
| Indiana | $2,529 | $3,801 | $4,271 |
| Iowa | $1,933 | $2,706 | $3,137 |
| Kansas | $2,655 | $3,813 | $4,482 |
| Kentucky | $3,788 | $5,620 | $6,574 |
| Louisiana | $4,845 | $7,384 | $8,004 |
| Maine | $1,891 | $2,531 | $3,775 |
| Maryland | $3,010 | $4,300 | $4,843 |
| Massachusetts | $2,415 | $4,143 | $2,432 |
| Michigan | $5,782 | $8,800 | $13,864 |
| Minnesota | $2,403 | $3,197 | $4,422 |
| Mississippi | $2,899 | $4,070 | $4,157 |
| Missouri | $2,748 | $3,878 | $5,035 |
| Montana | $2,768 | $3,858 | $4,434 |
| Nebraska | $2,335 | $3,465 | $3,760 |
| Nevada | $3,841 | $5,678 | $6,056 |
| New Hampshire | $2,673 | $4,235 | $5,318 |
| New Jersey | $2,965 | $4,640 | $5,992 |
| New Mexico | $3,031 | $4,482 | $4,653 |
| New York | $2,825 | $3,487 | $5,831 |
| North Carolina | $1,731 | $2,930 | $2,093 |
| North Dakota | $2,355 | $3,602 | $4,282 |
| Ohio | $2,109 | $3,204 | $3,308 |
| Oklahoma | $3,331 | $4,780 | $5,413 |
| Oregon | $3,053 | $4,116 | $4,878 |
| Pennsylvania | $2,617 | $3,752 | $4,412 |
| Rhode Island | $4,313 | $6,306 | $7,065 |
| South Carolina | $2,906 | $4,091 | $5,545 |
| South Dakota | $2,587 | $3,731 | $4,371 |
| Tennessee | $3,033 | $4,510 | $6,081 |
| Texas | $3,063 | $4,479 | $5,618 |
| Utah | $2,653 | $3,722 | $5,074 |
| Vermont | $2,060 | $3,138 | $3,330 |
| Virginia | $1,911 | $2,909 | $2,927 |
| Washington | $2,483 | $3,486 | $4,129 |
| West Virginia | $2,543 | $3,685 | $4,612 |
| Wisconsin | $2,544 | $3,998 | $4,545 |
| Wyoming | $2,340 | $3,331 | $3,516 |
Find Affordable Cadillac CT5 Insurance Rates
Cheapest Car Insurance Companies For A Cadillac CT5
Your location has a significant impact on how insurance companies calculate your rates. Each state has its own auto insurance regulations, and some, like Michigan, require higher levels of coverage, which can lead to higher premiums.
The climate of your area also plays a role; states with extreme weather, such as hurricanes, storms, and flooding, typically see higher insurance rates. Additionally, crime rates and accident statistics, such as car thefts, crashes, and fatalities, vary by location and are considered by insurers when determining your Cadillac CT5 insurance premium.
| Company | Average Monthly Rate |
| SafeAuto | $43 |
| Commonwealth Casualty | $63 |
| Esurance | $50 |
| MetroMile | $67 |
| Dashers | $52 |
Common Cadillac CT5 Insurance Discounts
Discounts can significantly lower your car insurance costs. Although each insurance provider offers unique discounts, some common ones include:
- Multi-Policy Discount: Bundle your auto and home insurance with the same provider for a discount.
- Annual Payment Discount: Save money by paying your premium in full instead of making monthly payments.
- Defensive Driving Discount: Taking a defensive driving course from a certified provider can qualify you for a reduced rate.
There may be additional discounts available to you. It’s a good idea to speak with your insurance agent to learn about all the discounts you may be eligible for.
Ways To Save On Cadillac CT5 Insurance Costs
Maintaining a clean driving record is key to keeping your Cadillac CT5 insurance premiums low. Traffic violations, like speeding tickets, or accidents can lead to higher rates. For instance, drivers with a ticket on their record typically pay about $28 per month, while those with multiple accidents may face an average monthly premium of $122. Avoiding these incidents can help you keep costs down.
Additionally, drivers who log fewer miles annually often pay less for insurance, as they are considered a lower risk. Cadillac CT5 drivers who drive between 5,000 and 7,500 miles a year typically pay around $65 per month. On the other hand, those who drive more than 10,000 miles annually may pay about $70 per month.
Compare Cadillac CT5 To Other Cadillac Models
Looking for other Cadillac model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia collected thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures presented may differ from your specific results based on your personal circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Cadillac CT5?
You will need to provide proof of insurance before driving your Cadillac CT5 off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company about your upcoming car purchase, rather than relying on the dealership to arrange the insurance.
How Can You Get The Cheapest Insurance For Your Cadillac CT5?
To find the most affordable rates for your Cadillac CT5, it’s best to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
