Cadillac CT6 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Cadillac CT6 is more expensive to insure compared to the average car.
• Full coverage car insurance for a CT6 averages around $219 monthly, on average, while liability only insurance typically tends to be about $84.
• Commonwealth Casualty provides the cheapest average premiums for a CT6 with liability only coverage offered for as low as just $36 a month.

CT6 Overview

With base prices starting at $58,995 for 2020 models, the Cadillac CT6 is on the more expensive end of the spectrum. There are four different trim levels currently available, so there's a style for every driver.

We analyzed thousands of insurance quotes on Compare.com, and we've determined that average Cadillac CT6 auto insurance rates run around $201 per month. Compared to other vehicles in the market, how do CT6 car insurance prices stack up?

How Much is Car Insurance for a Cadillac CT6?

Based on the table above, Cadillac CT6 insurance rates are more expensive than average. On average, CT6 drivers can expect to pay about $219 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $84 a month for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the CT6 is more expensive, with premiums more than 10% higher than the other vehicle types offered by Cadillac. Likewise, CT6 coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive prices than other cars.

Generally, they're just more expensive to insure than the average vehicle, regardless of which model, make, or body style you compare it to.

Who has the Cheapest Car Insurance for a Cadillac CT6?

In the market for an auto insurance policy for your Cadillac CT6? You might be wondering which carrier offers the cheapest premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $29 per month from Clearcover. The next most affordable company is Commonwealth Casualty, who offers insurance as low as $36 per month.

Hallmark, MotionAuto, and AnswerFinancial round out the rest of the top 5 list. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance carriers use a variety of things and complex formulas to calculate rates. By pulling quotes from a whole range of auto insurance companies at once, you can rest easy knowing that you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Cadillac CT6?

There are many factors that car insurance carriers use to choose how much to charge for auto insurance -- and every carrier weighs different pieces more heavily than others, so there's not just one company that's the cheapest for each driver.

Keep reading to learn which variables insurance companies look at and how they affect your final rate:

Vehicle Age

The Cadillac CT6 has been around for a few years -- that means vehicle age will likely play a role in your car insurance premium. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and CT6s begin to depreciate, insurance costs will gradually decrease.

Based on the above table, the Cadillac CT6 is inline with this trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are CT6s that are 1 year old or less, on average.

Your Age

Age is another variable that makes a significant difference in how much auto insurance carriers will charge you. As you can see above, those who have more experience on the road pay less compared to drivers who are under 24. Cadillac CT6 drivers who are 18 to 24 actually pay $10 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the CT6.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men. The Cadillac CT6 is no different, and men pay around 19% more than women a month for insurance.

Where You Live

You're probably already aware that things such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live matters, too? Because car insurance is regulated at the state level, premiums can fluctuate quite a bit depending on what state you live in.

For example, New York has rates for CT6 owners that are more expensive than other locations.

Cadillac CT6 Car Insurance Discounts

Whatever what state you call home, how old you are, or which car you drive, it's always important to take advantage of as many insurance discounts as possible.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than by monthly payments

These discounts are great, but sometimes, it's actually having a good record when it comes to both driving and car insurance that get you the lowest rates.

While you can't control every single aspect of your insurance profile (like some of the variables we mentioned above), you can control some of it. Below are just a few of the ones you can use in your favor in order to save on car insurance:

Your Driving Record

You've probably observed ads from insurance carriers offering big savings for responsible drivers. And you probably wouldn't be surprised that your auto insurance prices will go up if you get into a collision or get a speeding ticket. But you still might be left wondering exactly how much collisions and moving violations will cost you.

According to the table above, accidents will usually cost CT6 drivers more than tickets, but both will result in higher than average rates. The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Another factor that plays a big role in your car insurance premiums is the total distance you drive each year. Drivers who are on the roads less are less likely to get speeding tickets, so they'll usually be offered lower prices.

If you drive less often than the average driver or work from home, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Cadillac CT6s Compare to Other Vehicles?

If you're considering buying a new vehicle and a Cadillac CT6 is on your shortlist, you might want to know how it compares to other vehicles. Car insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth taking into consideration.

Visit the table below to see how the Cadillac CT6 stacks up:

Overall, the Cadillac CT6 is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The CT6 goes for $58,995, a bit more expensive than the national average vehicle price of $46,547.

In the same fashion, auto insurance rates are higher when compared to the rest of the vehicle market. Full coverage insurance for a Cadillac CT6 is about $80 per month more than average, while liability only coverage is monthly.

When it comes to usage, Cadillac CT6 owners drive about the same amount annually as the national average, with 10,824 miles every year compared to 11,617 for all vehicles.

Cadillac CT6 Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much you might pay for insurance. If you're considering buying a new CT6, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your options.

2020 Cadillac CT6 Car Insurance

The average cost to insure a 2020 CT6 with liability only coverage is $171 per month, while full coverage runs around $249 a month.

If you're looking for the cheapest possible 2020 Cadillac CT6 insurance policy, Elephant offered the most affordable policy we found, with rates sometimes as low as $57 monthly.

What could your car insurance rate look like? Just enter your ZIP code below to get a variety of free personalized quotes.

2019 Cadillac CT6 Car Insurance

You can expect full coverage for a 2019 Cadillac CT6 to run about $283 a month, while liability only coverage will average around $65 per month.

SafeAuto offered the lowest policy we found, with rates sometimes as cheap as $65 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

2018 Cadillac CT6 Car Insurance

2018 CT6 drivers can expect to pay an average of $109 a month for liability or $231 for full coverage.

Looking for the most affordable policy? Clearcover offered liability only coverage for sometimes as little as $29 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2017 Cadillac CT6 Car Insurance

It costs about $74 monthly for liability or $168 for a full coverage policy for the 2017 Cadillac CT6.

With prices as cheap as $40 per month, MotionAuto offered the lowest policy we found for the 2017 Cadillac CT6.

What will your auto insurance price be? Enter your ZIP code below to get several customized quotes for free.

2016 Cadillac CT6 Car Insurance

On average, drivers who own a 2016 CT6 can expect to pay $81 to $240 monthly for liability only and full coverage car insurance, respectively.

We found Safeco offered the cheapest policy, with rates as little as $27 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

Cadillac CT6 Insurance FAQs

Is a Cadillac CT6 expensive to insure?

Liability insurance runs an average of $84 per month, while full coverage will cost you around $219. The Cadillac CT6 is more expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Cadillac CT6?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Cadillac CT6 affect my insurance prices?

You might have heard that it costs more to insure red cars than silver or white ones, but that's actually not true. Even though there are many variables insurance carriers consider when they offer rates, your Cadillac CT6's color is not factored into that decision.

Do I need to have insurance before I buy a Cadillac CT6?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new car is to talk with your car insurance company ahead of time.

What car insurance discounts can I get for my Cadillac CT6?

There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your CT6 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about their list of discounts, since they vary quite a bit from carrier to carrier.