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for a Cadillac CTS

Are You Getting the Cheapest Car Insurance Available for a Cadillac CTS?

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How Much Is Car Insurance for a Cadillac CTS?

The average annual premium for a Cadillac CTS auto policy is $1,708 for full coverage and $418 for minimum coverage.

There are many options worth exploring with an auto policy, including state minimum liability and full coverage. One offers minimum protection, whereas the other offers enhanced protection with first and third-party benefits protecting at-fault drivers and other parties.

If you have questions about structuring your auto policy, Freeway Insurance is ready to lend a hand. We’re happy to help you explore your options based on your budget, needs, and wants.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Cadillac to Other Vehicles

There are many reasons why Cadillac CTS drivers pay higher or lower premiums than drivers of the Genesis GBO, BMW 5 series, Lexus GS, and other competitors — including but not limited to theft rate, number of safety features, cost of replacement parts, and the hundreds of other underwriting criteria providers use to determine risk.

Make/Model Annual Full Coverage Insurance
Cadillac CTS $1,708
Genesis G70 $1,928
BMW 5 Series $1,704
Lexus GS $1,990
Mercedes-Benz E-Class $2,110

Types of Car Insurance Coverage for a Cadillac Luxury Sedan

Two types of auto insurance policies most popular with Cadillac CTS drivers are state minimum liability and full coverage.

We highly recommend full coverage over state minimum, thanks to its blend of first and third-party benefits, including collision and comprehensive coverage to pay for damages due to non-collision-related events, offering an even broader scope of protection.

Full Coverage

A full coverage policy typically describes an auto insurance policy comprising liability, collision, and comprehensive, offering enhanced benefits to you, your passengers, and your vehicle.

Liability pays for the costs associated with injuries and property damage to others in an at-fault accident you are responsible for. In turn, collision pays for the repair or replacement of your vehicle due to vehicle-to-vehicle, vehicle-to-object, and rollover collisions.

Comprehensive pays for non-collision-related events, including falling objects, theft, vandalism, hail, and natural disasters.

Although Cadillac CTS drivers have the option of adding extras like uninsured and underinsured motorist coverage (optional in some states) and medical payments (MedPay), these are not counted as part of a full policy. Roadside assistance, on the other hand, is often included in a full coverage package.

State Minimum Liability

All Cadillac CTS drivers must have an active auto policy with mandated bodily injury and property damage liability to drive legally in the United States.

For example, Idaho drivers must carry bodily injury of $25,000 per person, $50,000 per accident, and property damage of $15,000 per accident. These limits represent the minimum amount of insurance all Idaho drivers must carry, which goes towards paying for medical expenses and damages to other people’s property (e.g., homes and autos).

We recommend carrying significantly higher liability limits beyond your state minimums if you can afford it. As a best practice, opt for a 100/300/100 policy so that you can pay less out-of-pocket costs if you are ever involved in an accident.

Individual Factors That Influence Pricing for the Cadillac CTS

Every provider has its underwriting criteria, using hundreds of variables to determine how much its policyholders pay in premiums.

Three criteria underwriters look at heavily are driving records, location (including garaging address), and the number of miles you drive annually.

Driving Record

Those with no history of accidents or traffic violations will pay lower premiums than problematic drivers with one or more claims.


Where you live plays a significant factor, with high-density urban areas seeing higher premiums than sparsely populated rural towns and regions. No wonder New York City drivers pay much more in premiums than Chevy Chase, Maryland residents.


Lastly, remember the number of miles you drive annually. Those who drive more than 15,000 miles a year will pay higher premiums. According to insurers, the longer you are on the road, the higher the likelihood of an accident.

2023 2005 Cadillac CTS V parked showing the front of the car – car insurance


How Does a DUI Affect Insurance Rates?

Regarding auto insurance rates, being convicted of a DUI has a major negative impact on all drivers.

For starters, you can expect to pay higher premiums. They may even double or triple, depending on your driving record, company, and whether or not this was a first, second, or subsequent offense. Plus, you can expect a DUI conviction to stay on your driving record for at least three years, depending on the state.

By maintaining a clean driving record, you should start to see premiums slowly decrease over time.

Lastly, remember reduced discount eligibility. Several discounts you previously received may no longer be available to you, such as good driver, good student, and anti-theft device discounts. Not only does a DUI affect your ability to secure favorable rates, but it also disqualifies you from receiving most discounts.

What Are Some Car Insurance Discounts for a Cadillac?

One of the best ways drivers can save on their policies is by enrolling in or opting for discounts. Two of our favorite ones include safe driver and multi-policy discounts.

Also referred to as bundling discounts, multiple discounts reward individuals with two or more policies with the same insurer. If you combine your policy with other policies, e.g., boat, life, or homeowners insurance, you can save up to 25% on each policy, depending on the insurer.

True to its name, safe driver discounts reward drivers for maintaining a clean driving record with no major claims. To qualify for a clean driving record, you must have three to five consecutive years of no at-fault accidents, traffic citations, or moving violations.

For more discounts, consider the following:

  • Anti Theft Discount. Awarded to drivers for installing anti-theft features in their vehicles, such as GPS tracking systems and audible alarms. In the provider’s eyes, active security measures help reduce the chances of someone stealing your car. Expect to save anywhere from 5% to 20% off your policy.
  • Good Student Discount. Suppose you have maintained a specific grade average from an accredited school (typically a B average or better for full-time students). In that case, good student discounts can be awarded for anywhere from 5% to 25% off your policy.
  • AutoPay/Paperless Billing Discount. You can enjoy a small discount if you pay your entire annual premium upfront or enroll in paperless billing. By switching to automatic and paperless billing, you help providers reduce administrative costs and promote environmental benefits.
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What Are Some of the Characteristics of the Cadillac CTS?

The Cadillac CTS is a luxury midsize sedan segment vehicle, discontinued after the 2019 model year.

It has six trims: Luxury, Premium Luxury, V-Sport, V-Sport Premium Luxury, and CTS-V. Depending on the trim, it comes with a 268-horsepower turbo-four, 420-horsepower twin-turbo V6 engine, or 640-horsepower supercharged V8 engine.

Standard features on the Cadillac CTS include an 8-inch touch screen, 11-speaker Bose stereo, built-in Wi-Fi, Bluetooth, and two USB ports. Upgrading to the Luxury trim adds a 13-speaker Bose stereo, ventilated front seats, heated steering wheel, and several driver assistance features, including lane change alert and forward collision warning.

The Cadillac CTS’s main competitors are the Genesis G70, BMW 5 Series, Lexus GS, and the Mercedes-Benz E-Class.


Find the Best Car Insurance Rates Online for the Cadillac CTS Today

Freeway Insurance is ready to provide you with more information on affordable options.

To get started with Freeway Insurance, request a quote online, make an in-person visit, or call us at 800-777-5620 for a no-hassle consultation with one of our onboarding specialists. We look forward to hearing from you today!

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