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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Car insurance for the Cadillac CTS costs less than the national average for all vehicles, at $157 per month.
USAA is the cheapest insurer for the Cadillac CTS, with average premiums around $78 per month.
Even though the CTS is a luxury vehicle, its value has decreased since it’s no longer in production, which helps keep its insurance rates near the national average.
How much you’ll pay for Cadillac CTS insurance depends on the type of policy you choose. Liability-only policies meet state requirements and cover damages and injuries you cause to others.
Full coverage includes liability, comprehensive coverage for non-collision claims such as broken glass, theft, or weather damage, and collision coverage for car accidents.
The table below compares CTS premiums with the averages for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Cadillac CTS | $109 | $204 | $157 |
| All vehicles | $115 | $212 | $164 |
CTS drivers pay around $109 per month for liability insurance and $204 per month for full coverage, which is slightly less than the national average for all vehicles.
Now, let’s take a look at how factors like driver profile, location, vehicle age, and insurer choice can affect Cadillac CTS insurance costs.
Comparing quotes can save you up to $867.†
Insurers assess risk differently and use various factors to determine premiums, including your driving history, location, and vehicle type. That’s why rates can vary widely from company to company, even for the same vehicle.
The following table shows the cheapest insurers for CTS owners, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $93 |
| Allstate | $103 |
| GEICO | $115 |
| American Family | $119 |
| Progressive | $138 |
| Nationwide | $143 |
| Travelers | $151 |
| Farmers | $181 |
| Liberty Mutual | $229 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the cheapest insurance rates for CTS drivers, but you have to be a past or current military member, a veteran, or a family member to qualify. The company consistently ranks highest in J.D. Power studies for claims satisfaction, insurance shopping, digital experience, and regional customer satisfaction.
Low rates for the CTS
Exclusive member perks
Limited to military members and families
Above-average number of customer complaints1
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has a vast agent network and may be a great fit for CTS owners wanting personalized service and local support. It caters to safe drivers with multiple discounts, including those for going accident-free and upon completion of a defensive driving course. Its telematics programs — Steer Clear for young drivers and Drive Safe & Save — can help you save even more.
Highly rated mobile app[1]
Rideshare insurance available
Gap insurance not available
Higher rates for high-risk drivers
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
With Allstate, you can choose the policy that best matches your driving habits. Safe drivers can earn discounts with the Drivewise telematics program. Low-mileage drivers may save more with the Milewise pay-per-mile program. It also offers valuable add-ons, such as accident forgiveness and rideshare insurance.
Many available coverage options
User-friendly mobile tools
Fewer discounts than some competitors
Higher rates than some competitors
Generally, the more your vehicle is worth, the higher your premiums will be. That means newer Cadillac CTS models typically cost more to insure than older ones. As your car loses value over time, insurers face less financial risk if someone steals it or you total it, which translates to lower rates for you.
Our data shows how insurance costs decrease as your CTS ages. You’ll notice premiums drop steadily from newer to older model years.
CTS Model Year | Average Monthly Premium |
|---|---|
| 2019 | $170 |
| 2018 | $164 |
| 2017 | $161 |
| 2016 | $157 |
| 2015 | $154 |
| 2014 | $151 |
| 2013 | $143 |
| 2012 | $139 |
| 2011 | $135 |
| 2010 | $134 |
| 2009 | $129 |
| 2008 | $127 |
| 2007 | $125 |
| 2006 | $123 |
| 2005 | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $101 |
| Allstate | $112 |
| GEICO | $125 |
| American Family | $130 |
| Progressive | $151 |
| Nationwide | $156 |
| Travelers | $165 |
| Farmers | $198 |
| Liberty Mutual | $249 |
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $97 |
| Allstate | $108 |
| GEICO | $120 |
| American Family | $124 |
| Progressive | $145 |
| Nationwide | $150 |
| Travelers | $158 |
| Farmers | $190 |
| Liberty Mutual | $239 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $95 |
| Allstate | $106 |
| GEICO | $118 |
| American Family | $122 |
| Progressive | $142 |
| Nationwide | $148 |
| Travelers | $156 |
| Farmers | $187 |
| Liberty Mutual | $235 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $93 |
| Allstate | $103 |
| GEICO | $115 |
| American Family | $119 |
| Progressive | $138 |
| Nationwide | $143 |
| Travelers | $151 |
| Farmers | $181 |
| Liberty Mutual | $229 |
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $91 |
| Allstate | $102 |
| GEICO | $113 |
| American Family | $117 |
| Progressive | $136 |
| Nationwide | $141 |
| Travelers | $149 |
| Farmers | $179 |
| Liberty Mutual | $225 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $90 |
| Allstate | $100 |
| GEICO | $111 |
| American Family | $115 |
| Progressive | $133 |
| Nationwide | $138 |
| Travelers | $146 |
| Farmers | $175 |
| Liberty Mutual | $221 |
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $85 |
| Allstate | $95 |
| GEICO | $105 |
| American Family | $109 |
| Progressive | $127 |
| Nationwide | $132 |
| Travelers | $139 |
| Farmers | $166 |
| Liberty Mutual | $210 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $82 |
| Allstate | $92 |
| GEICO | $102 |
| American Family | $106 |
| Progressive | $123 |
| Nationwide | $127 |
| Travelers | $134 |
| Farmers | $161 |
| Liberty Mutual | $203 |
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| State Farm | $80 |
| Allstate | $89 |
| GEICO | $99 |
| American Family | $103 |
| Progressive | $119 |
| Nationwide | $124 |
| Travelers | $130 |
| Farmers | $157 |
| Liberty Mutual | $197 |
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $79 |
| Allstate | $88 |
| GEICO | $98 |
| American Family | $101 |
| Progressive | $118 |
| Nationwide | $122 |
| Travelers | $129 |
| Farmers | $155 |
| Liberty Mutual | $195 |
Company | Average Monthly Premium |
|---|---|
| USAA | $64 |
| State Farm | $77 |
| Allstate | $85 |
| GEICO | $95 |
| American Family | $98 |
| Progressive | $114 |
| Nationwide | $118 |
| Travelers | $125 |
| Farmers | $150 |
| Liberty Mutual | $189 |
Company | Average Monthly Premium |
|---|---|
| USAA | $63 |
| State Farm | $76 |
| Allstate | $84 |
| GEICO | $93 |
| American Family | $97 |
| Progressive | $113 |
| Nationwide | $117 |
| Travelers | $123 |
| Farmers | $148 |
| Liberty Mutual | $186 |
Company | Average Monthly Premium |
|---|---|
| USAA | $62 |
| State Farm | $74 |
| Allstate | $82 |
| GEICO | $92 |
| American Family | $95 |
| Progressive | $110 |
| Nationwide | $115 |
| Travelers | $121 |
| Farmers | $145 |
| Liberty Mutual | $183 |
Company | Average Monthly Premium |
|---|---|
| USAA | $61 |
| State Farm | $73 |
| Allstate | $81 |
| GEICO | $90 |
| American Family | $93 |
| Progressive | $109 |
| Nationwide | $113 |
| Travelers | $119 |
| Farmers | $143 |
| Liberty Mutual | $180 |
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $71 |
| Allstate | $79 |
| GEICO | $88 |
| American Family | $92 |
| Progressive | $107 |
| Nationwide | $110 |
| Travelers | $116 |
| Farmers | $140 |
| Liberty Mutual | $176 |
Where you live makes a huge difference in what you’ll pay for car insurance. Each state sets its own minimum coverage requirements, and that’s just the starting point.
Insurance companies also look at things like how often people sue after accidents in your state, the cost of medical care in your area, and how much body shops charge for repairs. Companies also consider weather risks and fraud rates. If you’re in a busy urban area with lots of traffic, you can expect higher rates.[2]
The map below shows average monthly insurance premiums by state for the Cadillac CTS, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $143 |
| Alaska | $141 |
| Arizona | $174 |
| Arkansas | $178 |
| California | $223 |
| Colorado | $218 |
| Connecticut | $286 |
| Delaware | $261 |
| Florida | $227 |
| Georgia | $274 |
| Hawaii | $143 |
| Idaho | $112 |
| Illinois | $164 |
| Indiana | $142 |
| Iowa | $112 |
| Kansas | $161 |
| Kentucky | $205 |
| Louisiana | $216 |
| Maine | $161 |
| Maryland | $311 |
| Massachusetts | $158 |
| Michigan | $233 |
| Minnesota | $180 |
| Mississippi | $151 |
| Missouri | $191 |
| Montana | $156 |
| Nebraska | $153 |
| Nevada | $264 |
| New Hampshire | $94 |
| New Jersey | $275 |
| New Mexico | $152 |
| New York | $204 |
| North Carolina | $97 |
| North Dakota | $128 |
| Ohio | $131 |
| Oklahoma | $186 |
| Oregon | $155 |
| Pennsylvania | $172 |
| Rhode Island | $240 |
| South Carolina | $256 |
| South Dakota | $151 |
| Tennessee | $146 |
| Texas | $235 |
| Utah | $158 |
| Vermont | $161 |
| Virginia | $196 |
| Washington | $182 |
| Washington D.C. | $340 |
| West Virginia | $163 |
| Wisconsin | $125 |
| Wyoming | $111 |
State | Average Monthly Premium |
|---|---|
| California | $223 |
Your driving experience matters when it comes to insurance costs. For example, teens face higher crash rates than any other age group, which translates directly to higher premiums.
As you gain more years behind the wheel, insurers will recognize your improved safety record and reward you with lower rates. Seniors, who have lower crash rates and drive the least, generally pay the lowest premiums.
Check out our breakdown of CTS insurance costs by age group in the table below, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $302 |
| Adults | $149 |
| Seniors | $133 |
Insuring your teen’s Cadillac CTS costs more because young drivers face higher crash risks. Teen drivers account for nearly 9% of all accidents, despite representing just less than 4% of the driving population.[3] They’re also more likely to underestimate dangerous situations and make critical errors that lead to serious crashes.[4]
Here are the cheapest car insurance companies for young Cadillac CTS drivers, based on our research.
You’ll pay lower rates for your Cadillac CTS as a senior driver. Drivers older than 55 tend to be more courteous, obey speed limits, and follow traffic rules more consistently. Many retirees also drive fewer miles than when they commuted to work daily.[5] Seniors often take safer routes and avoid challenging conditions like rush hour or bad weather.
The chart below highlights the five most affordable insurers for senior Cadillac CTS drivers, according to our data.
Your driving record directly affects what you’ll pay for Cadillac CTS insurance. Companies review your record to determine if you have a history of traffic tickets and accidents when setting your premium, as it helps predict future claims.[6]
Some companies specialize in high-risk coverage, so you can still find affordable insurance even with a less-than-perfect record.
The table below shows how various driving records can affect your Cadillac CTS premium, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $157 |
| Speeding ticket | $210 |
| At-fault accident | $224 |
| DUI | $252 |
A driving under the influence (DUI) conviction will cost you about $95 more per month than a clean record — that’s more than $1,100 extra each year. Even a single speeding ticket adds roughly $53 to your monthly bill.
A speeding ticket signals to insurance companies that you take risks behind the wheel. Speeding reduces your reaction time, extends your stopping distance, and increases the severity of crashes. Companies review traffic violations when calculating your premium, and more serious speeding offenses result in steeper rate increases.
Here’s what drivers pay for Cadillac CTS coverage with a speeding ticket, according to our data.
An at-fault accident increases your rates because it shows insurers you’re more likely to file future claims. When you file a claim after causing an accident, companies typically raise your premium by a certain percentage. These increases usually stay on your policy for three years after the accident.[7]
The chart below lists the cheapest companies for Cadillac CTS drivers with an at-fault accident, according to Compare.com data.
Drinking and driving is a serious crime in every state. That’s because a blood alcohol content of 0.08% makes you four times more likely to crash than a sober driver.[8] A DUI will also significantly increase your car insurance premium.
If you have a DUI conviction, your state may require you to file an SR-22 or FR-44 form, which proves you maintain the minimum insurance coverage. Many standard insurers won’t cover drivers with a DUI on their record, forcing them into non-standard or high-risk policies that cost significantly more.
Let’s take a look at the cheapest insurers and the average monthly premiums for Cadillac CTS drivers with a DUI, according to our data.
Your Cadillac’s features and options can affect the cost of insurance. Keep the following in mind when looking for coverage for your Cadillac CTS:
Luxury status: The Cadillac CTS is a luxury midsize sedan, which requires higher-quality parts for repairs. Insurers typically charge more for luxury vehicles because claim payouts are often higher for these models compared to budget-friendly ones.
Vehicle value and trim level: Depending on condition, trim level, and location, a used CTS can cost from $4,000 to more than $50,000 for premium and V trims, according to Kelley Blue Book. The manufacturer’s suggested retail price (MSRP) and luxury features factor into insurance costs.[9]
Safety features and ratings: The CTS earns decent safety ratings, but features are only standard on Luxury and above trims, which could lead to higher insurance rates and prevent lower trim levels from qualifying for a safety feature discount.
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Here are some tips to help you get cheaper Cadillac CTS car insurance:
Add an anti-theft device. If you add anti-theft systems, such as VIN etching and vehicle recovery systems, it can help qualify you for an anti-theft device discount.
Consider liability-only coverage. If you have an older CTS model you can afford to fix or replace, you may not need a full-coverage policy.
Bundle your policies. Bundling your CTS car insurance with renters or home insurance could lead to significant savings with a multi-policy discount.
Compare car insurance quotes. Get multiple quotes to compare companies and rates to get the best deal on your CTS insurance policy.
Get real-time quotes and save money on your next policy.
Insuring a luxury sedan like the Cadillac CTS raises unique questions about coverage, costs, and how to protect your investment. The answers below can help you make smart decisions about your policy.
No. For a luxury sedan, the CTS is relatively inexpensive to insure. The average monthly premium for CTS drivers is $157, compared to the overall average for all vehicles of $164, according to our data.
USAA consistently has the lowest rates for CTS drivers, but you can only buy from this insurer if you’re a member of the military community or a family member of one. You can also find affordable rates with State Farm, averaging $93 per month, and Allstate, at $103 per month.
Cadillac discontinued the CTS in 2019, so there’s no 2025 model available. That said, insurance for the 2019 CTS averages $170 per month.
You’ll need to buy at least your state’s required amount of liability coverage, and purchasing higher limits is usually a good idea. Insurance professionals warn that state minimums may not be enough to cover damages if you’re responsible for totaling someone’s vehicle.
And if you finance or lease your CTS, your lender will require you to buy full coverage to cover potential damages to your vehicle.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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