How much is car insurance for a Cadillac CTS?

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In a nutshell...
  • The Cadillac CTS comes in three styles: a coupe, a sedan, and a wagon
  • On average, insurance for a Cadillac CTS is $133
  • Depending on the make you choose, your monthly premiums may be slightly higher or lower than the average

The Cadillac CTS was introduced to critical acclaim in 2002, and it remained on Car and Driver magazine’s “10 Best” list for three years running. It’s available in three body styles: a coupe, a sedan, and a wagon.

It’s ranked high among cars such as the Buick Regal, the BMW 3 Series, and the Chevrolet Volt. U.S. News emphasizes that its performance is unparalleled among American sports sedans.

If you’re shopping the competition, the 3 Series and the Infiniti G37 should also be on your test drive list.

Enter your zip code above to compare car insurance quotes for the CTS, or keep reading to find out what the average driver pays for CTS auto insurance.

How much is car insurance for a Cadillac CTS?

The National Automobile Dealers Association reports average monthly car insurance rates of $133 for the base model Cadillac CTS sedan.

If you opt instead for a CTS coupe, that rate will climb to $154 per month, and you can expect to pay $143 per month to insure a CTS wagon.

Upgrading to a CTS-V coupe, with its racing engine, will increase your car insurance rates significantly. You’ll pay about $188 a month to insure this vehicle. Drivers of the CTS-V sedan and the CTS-V wagon will pay similar prices.

Though this difference may seem small, you’ll pay about $3,300 in additional car insurance premiums over five years if you choose to drive a CTS-V coupe instead of a CTS sedan.

If you drive a competing sedan like the Infiniti G or the Mercedes Benz C Class, you’ll pay about $150 a month for car insurance. That adds up to about an extra $200 per year more than the cost of insuring a 2011 CTS sedan.

Car insurance rates for other upscale midsized sedans like the Volkswagen Eos, BMW 3 Series, and the Audi A5 are typically around $142 per month.

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Cadillac CTS Repair Expenses

Cadillac CTS drivers will begin paying for repairs out of pocket at about the same time they start paying for maintenance themselves, which is during the fourth year of ownership.

That fourth-year repair bill will come out to around $710, and the fifth-year repair bill will be about $1,065. That means you’ll pay a total bill of about $1,774 for five years of Cadillac CTS repairs.

Repair costs for a Lexus ES are just $1,422 for five years, and the Infiniti G’s projected repair costs are a few hundred dollars lower. However, you’ll pay quite a bit more for repairs if you buy an Audi A5, a 3 Series, or a C Class.

Repair expenses for these vehicles are typically more than $500 higher than the Cadillac CTS’.

Cadillac CTS Crash Test Results

Both the 2011 and the 2012 Cadillac CTS models have undergone crash testing by the Insurance Institute for Highway Safety (IIHS), and each was chosen as a “Top Safety Pick” for its model year.

To earn this status, a vehicle must exhibit excellent crash test performance in four categories:

  • Side impact
  • Frontal offset
  • Whiplash protection
  • Roof strength.

The test measures the vehicle’s ability to protect its passengers from injury when it rolls over, and whiplash protection measures the sedan’s ability to support passengers’ heads if it is impacted from behind.

The Mercedes C Class, the Audi A4, and the Volvo S60 are some of the competing vehicles that also received this designation. The federal government’s rating agency hasn’t performed crash tests on the CTS yet.

Cadillac CTS Reliability Scores

The 2011 Cadillac CTS earned an excellent reliability score of 9.0 out of 10 from J.D. Power and Associates.

This is an exceptional score that only a few sedans earn overall, but several vehicles in the CTS’ upscale midsized car class also received it.

They include the Buick Regal, the ES and IS from Lexus, the Lincoln MKZ and MKZ Hybrid, and the Lexus HS. The Mercedes C Class scored a respectable 8.0, but the BMW 3 Series only earned a 6.0. The Volkswagen Eos earned the lowest score of 4.0.

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