Best Cadillac CTS Car Insurance in 2024 (Compare the Top 10 Companies)
State Farm, Geico, and Progressive offer the best Cadillac CTS car insurance, with rates starting at $70/month. State Farm excels in customer service, Geico provides competitive rates, and Progressive offers flexible coverage options, making them top choices for Cadillac CTS owners.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Nov 1, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Cadillac CTS
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Cadillac CTS
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Cadillac CTS
A.M. Best Rating
Complaint Level
Pros & Cons
Our Top 10 Company Picks: Best Cadillac CTS Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Customer Service State Farm
#2 15% A++ Competitive Rates Geico
#3 10% A+ Flexible Coverage Progressive
#4 12% A+ Comprehensive Coverage Allstate
#5 10% A++ Military Benefits USAA
#6 12% A Accident Forgiveness Liberty Mutual
#7 20% A+ Reliable Coverage Nationwide
#8 8% A++ IntelliDrive Discounts Travelers
#9 15% A+ Customer Satisfaction Amica
#10 10% A+ Tailored Coverage Farmers
You can start comparing quotes for Cadillac CTS car insurance rates from some of the best car insurance companies by using our free online tool now.
- Find the best Cadillac CTS car insurance with tailored coverage and top rates
- Explore top providers offering comprehensive plans to meet your specific needs
- State Farm offers the best rates for Cadillac CTS insurance, starting at $70/month
Cadillac CTS Car Insurance: Monthly Rates by Coverage Level & Provider
Finding the right car insurance for your Cadillac CTS is essential to protect your investment without overpaying. Here’s a breakdown of monthly rates for minimum and full coverage from top providers like Geico, USAA, and State Farm.
State Farm consistently provides the best rates and coverage for Cadillac CTS owners.
Whether you’re looking for basic coverage or comprehensive protection, compare these options to find the best fit for your needs.
Cadillac CTS Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $78 $185
Amica $73 $172
Farmers $76 $180
Geico $72 $170
Liberty Mutual $77 $190
Nationwide $76 $180
Progressive $74 $180
State Farm $75 $175
Travelers $75 $175
USAA $70 $165
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Cadillac CTS Insurance Cost
On average, insuring a Cadillac CTS costs about $1,502 per year or $125 per month. However, rates can vary significantly based on factors like deductible choices, driving history, and the age of the driver. Whether you’re a high-risk driver or insuring a teen, understanding how these variables affect your premiums is crucial.
Age of the Vehicle
The age of your Cadillac CTS plays a significant role in determining your insurance costs. Older models generally come with lower premiums due to their reduced value and lower repair costs. Understanding how insurance costs vary by model year can help you make informed decisions about coverage.
State Farm stands out as the best choice for Cadillac CTS insurance with its unmatched customer service and comprehensive coverage options.
Tim Bain Licensed Insurance Agent
Driver Age
Driver age is a key factor in determining Cadillac CTS insurance premiums, with younger drivers typically facing higher costs. Age-related risk factors contribute to these variations, making it essential to understand how your age may affect your insurance rates.
State Farm leads the pack for Cadillac CTS insurance with its superior customer service and comprehensive coverage options
By recognizing how age influences insurance costs, you can better navigate your options and find the coverage that best suits your needs at any stage of life.
Your Driving Record
Your driving record can have an impact on the cost of Cadillac CTS auto insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac CTS car insurance with violations on their driving record. By understanding the impact of your driving history, you can take steps to lower your premiums and secure the best possible rates for your Cadillac CTS insurance.
Cadillac CTS Safety Ratings
The safety ratings of your Cadillac CTS have a direct impact on your auto insurance premiums. Higher safety scores often lead to lower rates, as they reflect the vehicle’s ability to protect occupants in various crash scenarios. By considering your Cadillac CTS’s safety performance, you can make informed decisions about your coverage, ensuring you get the best value while staying protected on the road.
Cadillac CTS Crash Test Ratings
Not only do good Cadillac CTS crash test ratings mean you are better protected in a crash, but good Cadillac CTS crash ratings also mean cheaper insurance rates.
Cadillac CTS Safety Features
The Cadillac CTS safety features can help lower insurance costs. According to AutoBlog, the 2019 Cadillac CTS has the following safety features:
How to Save on Cadillac CTS Insurance
There are several ways you can save even more on your Cadillac CTS car insurance rates. Take a look at the following five tips:
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Top Cadillac CTS Insurance Companies
Who is the top auto insurance company for Cadillac CTS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac CTS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac CTS offers.
Top Cadillac CTS Car Insurance Providers by Market Share
Rank | Insurance Company | Premiums Written | Market Share |
---|---|---|---|
#1 | State Farm | $65.6 million | 9% |
#2 | Geico | $46.1 million | 6% |
#3 | Progressive | $39.2 million | 6% |
#4 | Allstate | $35.6 million | 5% |
#5 | Liberty Mutual | $35 million | 5% |
#6 | Travelers | $28 million | 4% |
#7 | USAA | $23.5 million | 3% |
#8 | Chubb | $23.4 million | 3% |
#9 | Farmers | $20.6 million | 3% |
#10 | Nationwide | $18.4 million | 3% |
Compare Free Cadillac CTS Insurance Quotes Online
The Cadillac CTS is a sporty sedan that was introduced by General Motors in 2002. It is a mid-size luxury car and comes in the following three different body styles:
- Coupe
- Sedan
- Sport wagon
Insurance costs for your Cadillac CTS will vary based on the model as well as your own personal profile, driving record, and your location.
Below is a list of the CTS Cadillac cars that you can own:
- CTS Sport Sedan – $35,165 to $53,970
- CTS-V Sedan – $63,465 to $72,125
- CTS Coupe – $38,165 to $50,210
- CTS-V Coupe – $63,465 to $71,675
- CTS Sport Wagon – $38,265 to $52,940
- CTS-V Sport Wagon – $63,465 to $72,010
Obviously, there is a wide range of pricing and options for the Cadillac CTS. The more money you spend on your car, the higher your insurance is going to be, especially if you buy comprehensive car insurance.
You will have to buy liability insurance in order to satisfy your state’s requirements which usually is not enough to protect your investment. You need to consider purchasing collision and comprehensive car insurance as well for your new Cadillac CTS.
- Collision car insurance – protects you if you are at fault for an accident and your car gets damaged
- Comprehensive car insurance – covers every other type of damage your car may incur, including theft
Without collision and comprehensive car insurance you are very vulnerable to a host of possible incidents. Liability only pays for damages to a third party driver, so unless your car is struck by someone else, you are not covered without total car insurance
Car insurance is based on quite a few different elements. Before you buy a new car, you should request quotes for insurance to find out how much you can expect to pay. Insurance quotes are determined by your personal profile, such as your:
- Age
- Gender
- Residence
- Marital status
- Credit history
However, your insurance rate is going to change based on the make and model car you plan on insuring. The Cadillac CTS is a luxury car that is going to cost more to insure than a small-size economy car. Before purchasing, get insurance quotes to find out if you can truly afford the CTS. Here are some tips to help reduce those car insurance premiums:
- Request various discounts from your car insurance company
- Find out how much you can save by combining several policies
- Ask if you qualify for a reduction in rate if your car is garage kept
- Explain any safety and security features that are installed in the car
Of course, keeping an impeccable driving record and raising your credit score can also help you score a lower insurance rate.
Compare the cost of premiums from one insurance company to the next and factor in any discounts you will get so you know who is giving you the cheapest car insurance for your Cadillac CTS. Find out more by reading our “Finding Free Car Insurance Quotes Online“
Enter your ZIP code now to start getting car insurance quotes to find the best policy for your Cadillac CTS.
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Frequently Asked Questions
How are Cadillac CTS car insurance rates determined?
Cadillac CTS car insurance rates are determined by several factors, including the driver’s age, driving record, location, credit score, the model year of the vehicle, safety features, and the chosen coverage options. Insurance companies also consider the cost of repairs and the likelihood of theft or accidents associated with the Cadillac CTS model.
For a comprehensive understanding, consult our article titled “Best Cadillac Car Insurance Rates.”
Are Cadillac CTS car insurance rates higher than average?
Cadillac CTS car insurance rates can vary depending on the specific factors mentioned earlier. While rates can be influenced by the car’s luxury status and potentially higher repair costs, it’s important to compare quotes from different insurance providers to find the best rate available to you.
What are some ways to lower Cadillac CTS car insurance rates?
There are several strategies you can use to potentially lower your Cadillac CTS car insurance rates. These include maintaining a good driving record, taking advantage of available discounts (such as safe driver discounts, bundling policies, or installing anti-theft devices), selecting a higher deductible, and comparing quotes from multiple insurance providers.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Does the age of the Cadillac CTS affect insurance rates?
Yes, the age of the Cadillac CTS can impact insurance rates. Generally, newer models may have higher insurance rates due to higher repair costs and replacement value. As the vehicle gets older, rates may decrease, as long as it maintains a good safety rating and is not prone to theft.
Can I get specific insurance quotes for a Cadillac CTS?
Yes, you can obtain specific insurance quotes for a Cadillac CTS by reaching out to various insurance companies or using online comparison tools. By providing the necessary information about your vehicle and personal details, you can receive customized quotes based on your specific situation.
Enhance your knowledge by reading our “Best Cadillac STS Car Insurance.”
Are there any specific Cadillac CTS features that can impact insurance rates?
Yes, certain features on the Cadillac CTS can impact insurance rates. Safety features like anti-lock brakes, airbags, electronic stability control, and advanced driver assistance systems may lead to lower rates. Additionally, features that make the vehicle more susceptible to theft, such as a lack of anti-theft devices, may increase insurance costs.
How do I find the cheapest Cadillac CTS insurance?
To find the cheapest Cadillac CTS insurance, compare quotes from multiple insurers, take advantage of discounts, maintain a clean driving record, and consider raising your deductible.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.
What’s the best way to compare Cadillac CTS insurance quotes?
The best way to compare Cadillac CTS insurance quotes is by using online comparison tools, ensuring you compare similar coverage levels and deductibles across different insurers.
How does credit score affect Cadillac CTS insurance costs?
A higher credit score can lead to lower Cadillac CTS insurance costs as insurers often view it as a sign of responsible financial behavior, which correlates with lower risk.
Uncover more by delving into our article entitled “Best Cadillac XLR Car Insurance.”
Are there any specific insurance policies recommended for Cadillac CTS?
Insurance policies that offer comprehensive coverage, collision, and liability are generally recommended for Cadillac CTS owners to protect their luxury vehicle adequately.
Does USAA offer benefits for military members with Cadillac CTS insurance?
Yes, USAA provides exclusive benefits like competitive rates, excellent customer service, and various discounts for military members and their families with Cadillac CTS insurance.
How do Cadillac CTS crash test ratings affect insurance rates?
Higher crash test ratings for the Cadillac CTS can lead to lower insurance rates as insurers may view the vehicle as safer, reducing the risk of severe injury claims.
What’s the best insurance coverage for a Cadillac CTS used for commuting?
For a Cadillac CTS used for commuting, the best coverage typically includes liability, comprehensive, collision, and uninsured motorist protection to cover all potential risks.
Get a better grasp by checking out our article titled “Best Cadillac XLR-V Car Insurance.”
Are there any special coverage options for Cadillac CTS owners?
Yes, Cadillac CTS owners may consider gap insurance, new car replacement, or custom parts and equipment coverage to protect their vehicle fully.
How does the age of my Cadillac CTS affect my insurance premium?
The age of your Cadillac CTS can lower your insurance premium as older vehicles may have less value, reducing the cost of comprehensive and collision coverage.
Can I get Cadillac CTS insurance with a DUI on my record?
Yes, you can get Cadillac CTS insurance with a DUI on your record, but expect significantly higher premiums as insurers view you as a higher-risk driver.
How do I lower my Cadillac CTS insurance premium?
Lower your Cadillac CTS insurance premium by maintaining a clean driving record, increasing your deductible, bundling policies, and exploring available discounts.
Expand your understanding with our article called “Best Cadillac SRX Car Insurance.”
What should I consider when choosing an insurance company for my Cadillac CTS?
Consider the company’s financial stability, customer service, coverage options, discounts, and claims handling reputation when choosing an insurance company for your Cadillac CTS.
Does Nationwide offer reliable coverage for Cadillac CTS?
Yes, Nationwide offers reliable coverage for Cadillac CTS, including a variety of customizable options and discounts, although rates may vary depending on individual factors.
How do Cadillac CTS insurance rates compare by state?
Cadillac CTS insurance rates can vary significantly by state due to differences in state regulations, local accident rates, and average repair costs.
Is Cadillac CTS insurance cheaper with a clean driving record?
Yes, Cadillac CTS insurance is typically cheaper with a clean driving record, as insurers offer lower premiums to drivers with no history of accidents or traffic violations.
For additional insights, refer to our “Best Cadillac DTS Car Insurance.”
What impact do mileage and usage have on Cadillac CTS insurance rates?
Higher mileage and frequent usage can increase Cadillac CTS insurance rates as they raise the likelihood of accidents and wear and tear on the vehicle.
How do I find the best insurance discounts for my Cadillac CTS?
To find the best insurance discounts for your Cadillac CTS, ask your insurer about available options, such as multi-policy, safe driver, low mileage, and vehicle safety discounts.
Does the Cadillac CTS qualify for any eco-friendly insurance discounts?
The Cadillac CTS may qualify for eco-friendly insurance discounts if it has hybrid features or other environmentally friendly technologies, depending on the insurer.
What’s the best coverage for a Cadillac CTS in an area prone to natural disasters?
In an area prone to natural disasters, comprehensive coverage is the best option for a Cadillac CTS as it covers damage from events like floods, storms, and wildfires.
Gain deeper understanding through our article entitled “Car Insurance Comparison.”
Can I insure my Cadillac CTS for agreed value instead of actual cash value?
Yes, you can insure your Cadillac CTS for an agreed value, which allows you and your insurer to set a specific payout amount in case of a total loss, often used for high-value or classic cars.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.