Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

Advertiser Disclosure

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 provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Key Car Insurance Cost For a Cadillac CTS Statistics
Cadillac CTS SummaryDetailsFrom Experts
Sales Numbers
Difference From Prior Year
11,220 (2018)
10,344 (2017)
Frequency of Claims8.4 per 100 insured vehicle yearsInsurance Information Institute
Overall Safety Rating5/5 StarsNational Highway Traffic Safety Administration
Fatality Rate53 per million registered vehiclesInsurance Institute for Highway Safety
Fair Market Range
Kelley Blue Book
Theft Rates0.35 per 1,000 vehiclesNational Insurance Crime Bureau
Average Cost of Repairs$663 per yearRepairPal
Average Comprehensive Rate$320Quadrant Information Services
Average Liability Rate$398Quadrant Information Services
Average Collision Rate$626Quadrant Information Services
Get Your Rates Quote Now

Compare RatesStart Now →

Often classified as an “executive car,” the Cadillac CTS is a large luxury sedan that is expertly suited for business professionals. If you’re in the market for one of these cars, you probably have a question on your mind — how much is the car insurance cost for a Cadillac CTS? Car insurance cost for a Cadillac CTS are an average of $1,344 a year or $112/mo.

This easy-to-follow article is designed to guide you through every aspect of Cadillac CTS insurance rates. We will explore the vehicle’s size and class, safety features, pricing, theft rates, repair cost all in relation to Cadillac CTS insurance rates. By the time you’ve finished reading, you will be ready to compare car insurance for your Cadillac CTS.

Ready to see Cadillac CTS insurance rates? Get started right now by entering your five-digit ZIP code above for access to instant quotes. More importantly, keep this guide handy to use as a reference whenever you need it.

Cadillac CTS Insurance Rates & MSRP

If you have ever gone shopping at a car dealership, you might have spoken with a salesperson about MSRP. This is an acronym for the Manufacturer’s Suggested Retail Price.

While dealerships and private sellers are able to charge what they believe is fair, the MSRP gives us a general understanding of what a car like the Cadillac CTS should cost.

Let’s take a look at the MSRP and fair market range of the Cadillac CTS with figures collected from Kelley Blue Book. We will examine pricing for models from 2019 to 2016.

2016-2019 Cadillac CTS MSRP and Fair Market Range
Cadillac CTS Model2019: MSRP
and FMR
2018: MSRP
and FMR
2017: MSRP
and FMR
2016: MSRP
and FMR
2.0 Sedan$49,990
3.6 Luxury Sedan$55,690
3.6 Vsport$62,690
3.6 Vsport Premium$72,790
Get Your Rates Quote Now

Compare RatesStart Now →

With an MSRP of $72,790 and a fair market value between $65,505-$72,154, the 2019 Cadillac CTS 3.6 Vsport Premium is the most expensive in the CTS lineup.

If you are interested in getting the most affordable CTS on the market, your best bet is to look at the 2016 2.0 Sedan. This is the base-level model for this car and therefore comes with the least expensive sticker price.

So how does the price of a Cadillac CTS models impact car insurance?

If you choose to finance your vehicle, the lender will often require you to carry more than the minimum amount of coverage. Therefore, you will most likely have to get a plan with collision or comprehensive coverage.

Lenders do this so your insurance policy covers the total cost of the vehicle even though you haven’t yet paid off the cost of the car. Should you get involved in an accident and your policy doesn’t cover the damage, you might be required to purchase force-placed insurance, a policy that safeguards the lender alone.

When in doubt, the safest bet is to get more insurance coverage as opposed to less, especially if you do not own your Cadillac CTS outright. By having more coverage, you lower the risk of any out-of-pocket expenses that may ensue after a car accident.

Cadillac CTS Collision Car Insurance Rates

Collision car insurance will pay for the costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.

Laws vary from state to state but for the most part, you aren’t legally required to carry collision insurance. Still, it’s a good idea to sign up for a policy with collision coverage to protect your Cadillac CTS.

Let’s take a look at what you can expect to pay for collision insurance on this vehicle based on the model year.

2014-2018 Model Cadillac CTS Collision Car Insurance Rates
Cadillac CTS Model YearAverage Collision Insurance
Get Your Rates Quote Now

Compare RatesStart Now →

To give these figures additional context, we are going to explore loss percentages for all vehicles that are classified as “large luxury sedans.” The following table contains data from the IIHS that outlines these figures.

Large Luxury Sedans Collision Loss Percentages
Car Make and ModelCollision Loss Percentage
Acura RLX 4dr20%
Acura RLX Sport hybrid 4dr 4WD1%
Audi A6 4dr63%
Audi A6 4dr 4WD60%
Audi A7 4dr 4WD107%
Audi RS7 4dr 4WD270%
Audi S6 4dr 4WD116%
Audi S7 4dr 4WD125%
BMW 330xi GT 4dr 4WD12%
BMW 5 series 4dr75%
BMW 5 series 4dr 4WD97%
BMW 5 series plug-in hybrid 4dr67%
BMW 5 series plug-in hybrid 4dr 4WD72%
BMW 6 series 4dr132%
BMW 6 series 4dr 4WD130%
BMW 6 series convertible77%
BMW 6 series convertible 4WD103%
BMW M550xi 4dr 4WD132%
BMW M6 4dr248%
Cadillac CT6 4dr50%
Cadillac CT6 4dr 4WD43%
Cadillac CTS 4dr32%
Cadillac CTS 4dr 4WD29%
Cadillac CTS-V 4dr93%
Genesis G80 4dr 2WD/4WD57%
Infiniti Q70 4dr48%
Infiniti Q70 4dr 4WD62%
Infiniti Q70L 4dr33%
Infiniti Q70L 4dr 4WD45%
Jaguar XF 4dr94%
Jaguar XF 4dr 4WD95%
Jaguar XJ 4dr76%
Jaguar XJ 4dr 4WD102%
Jaguar XJ 4dr LWB161%
Jaguar XJ 4dr LWB 4WD113%
Lexus GS 350 4dr58%
Lexus GS 350 4dr 4WD45%
Lexus GS F 4dr253%
Lexus LC 500 2dr157%
Lexus RC 300 2dr 4WD56%
Lexus RC 350 2dr60%
Lexus RC 350 2dr 4WD28%
Lexus RC-F 2dr104%
Maserati Ghibli 4dr230%
Maserati Ghibli 4dr 4WD200%
Mercedes-Benz CLS class 4dr104%
Mercedes-Benz CLS class 4dr 4WD110%
Mercedes-Benz E class 2dr84%
Mercedes-Benz E class 2dr 4WD135%
Mercedes-Benz E class 4dr72%
Mercedes-Benz E class 4dr 4WD64%
Mercedes-Benz E class AMG 4dr 4WD126%
Mercedes-Benz E class convertible66%
Mercedes-Benz E class convertible 4WD13%
Mercedes-Benz E class station wagon 4WD92%
Tesla Model S 4dr electric134%
Tesla Model S 4dr electric 4WD173%
Get Your Rates Quote Now

Compare RatesStart Now →

Of the three Cadillac CTS models included in this data research, the CTS-V has the worst loss percentage at a rate of 93 percent. While that may seem high, other models like the Audi RS7 and BMW M6 have insurance loss percentages that are almost three times higher than the average.

Cadillac CTS Comprehensive Car Insurance Rates

Comprehensive insurance is a form of coverage that protects you from elements that are outside of your control.

For example, if your car was sitting in the parking lot of a baseball field and a foul ball came crashing down on your windshield, comprehensive insurance will cover the cost of repairs associated with the incident.

Similar to how we compared average rates for collision coverage, let’s see how comprehensive rates change based on the model year of the Cadilac CTS.

2014-2018 Model Cadillac CTS Comprehensive Car Insurance Rates
Cadillac CTS Model YearAverage Comprehensive Insurance
Get Your Rates Quote Now

Compare RatesStart Now →

Once again, it will be helpful to understand how these rates might compare against models that are similar to the Cadillac CTS. That’s why the following table will show loss percentages for all large luxury sedans.

Large Luxury Sedans Comprehensive Loss Percentages
Car Make and ModelComprehensive Loss Percentage
Acura RLX 4dr99%
Audi A6 4dr85%
Audi A6 4dr 4WD50%
Audi A7 4dr 4WD151%
Audi RS7 4dr 4WD197%
Audi S6 4dr 4WD108%
Audi S7 4dr 4WD218%
BMW 330xi GT 4dr 4WD37%
BMW 5 series 4dr108%
BMW 5 series 4dr 4WD84%
BMW 5 series plug-in hybrid 4dr37%
BMW 6 series 4dr185%
BMW 6 series 4dr 4WD133%
BMW 6 series convertible284%
BMW M550xi 4dr 4WD225%
Cadillac CT6 4dr85%
Cadillac CT6 4dr 4WD40%
Cadillac CTS 4dr37%
Cadillac CTS 4dr 4WD-11%
Cadillac CTS-V 4dr167%
Genesis G80 4dr 2WD/4WD61%
Infiniti Q70 4dr170%
Infiniti Q70 4dr 4WD186%
Infiniti Q70L 4dr117%
Infiniti Q70L 4dr 4WD143%
Jaguar XF 4dr85%
Jaguar XF 4dr 4WD75%
Jaguar XJ 4dr23%
Jaguar XJ 4dr LWB 4WD101%
Lexus GS 350 4dr77%
Lexus GS 350 4dr 4WD65%
Lexus GS F 4dr186%
Lexus LC 500 2dr110%
Lexus RC 300 2dr 4WD64%
Lexus RC 350 2dr66%
Lexus RC 350 2dr 4WD64%
Lexus RC-F 2dr127%
Maserati Ghibli 4dr243%
Maserati Ghibli 4dr 4WD167%
Mercedes-Benz CLS class 4dr116%
Mercedes-Benz CLS class 4dr 4WD53%
Mercedes-Benz E class 2dr108%
Mercedes-Benz E class 2dr 4WD162%
Mercedes-Benz E class 4dr83%
Mercedes-Benz E class 4dr 4WD75%
Mercedes-Benz E class AMG 4dr 4WD159%
Mercedes-Benz E class convertible62%
Mercedes-Benz E class station wagon 4WD159%
Tesla Model S 4dr electric64%
Tesla Model S 4dr electric 4WD103%
Get Your Rates Quote Now

Compare RatesStart Now →

At -11 percent, the Cadillac CTS four-wheel-drive model has the most favorable loss percentage out of the entire class. If you are interested in getting a comprehensive policy that is favorable, it would be a wise idea to consider this CTS model.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

How does the frequency of claims filed on the Cadillac CTS affect car insurance rates?

Have you ever wondered why car insurance rates are more expensive for certain models? There are a few reasons for this but one reason is due to the number of claims that are made on each vehicle as it relates to its size class.

The Insurance Information Institute (III) has broken down how the frequency of claims filed on each class impacts car insurance rates.

Since the Cadillac CTS belongs to the “passenger cars and minivans” category, the following table will show you claim frequency and losses for this class compare to the average for all vehicle types.

Passenger Cars and Mini-Vans Collision Coverage Insurance Losses
Car TypeCar Insurance Claim FrequencyCar Insurance Claim SeverityOverall Loss
Passenger cars and mini vans8.4$5,949$501
All passenger vehicles7.3$6,005$438
Get Your Rates Quote Now

Compare RatesStart Now →

This data tells us that the Cadillac CTS, alongside other models in the passenger car category, sees a claim frequency of 8.4 per 100 insured vehicle years. That is just over one more compared to the average frequency of claims for other vehicle types, which is 7.3 for every 365 days of insurance coverage.

As a result, the overall loss seen for the Cadillac CTS is $501 compared to the $438 average for all vehicle types. The silver lining here is that the typical claim severity for this vehicle type is $5,949, which is slightly less than the median.

These figures are averages taken from minimum liability policies. In other words, this is the most basic form of car insurance you can get to legally drive on the road. For more protection, you will need to take a look at collision and comprehensive coverage, which we will get to a little later in this piece.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

What is the size and class of a Cadillac CTS?

Industry experts from the Insurance Institute for Highway Safety (IIHS) classify the Cadillac CTS as a large four-door luxury sedan. Similar models include the following, listed in alphabetical order by auto manufacturer:

[table “5197” not found /]

Compare RatesStart Now →

The size and class of vehicles are determined by a few factors such as total interior capacity, number of axels, and weight. The IIHS separates vehicles into different class sizes in order to accurately test the safety of each model.

For example, bigger and heavier vehicles are generally understood as being safer than smaller and lighter vehicles. As a result, large vehicles like SUVs score well on crash tests.

While the Cadillac is smaller and built differently than a SUV, that doesn’t necessarily mean it’s not safe. In fact, since the Cadillac CTS is classified as a large sedan, it’s bigger than many cars you see on the road like mid-sized models or small two-door coupes.

How does the size of the Cadillac CTS affect bodily injury liability car insurance rates?

If you were deemed at fault for an accident and the opposite party incurred medical expenses, bodily injury liability insurance will cover that cost. This form of insurance will also cover any lost wages that resulted from the incident.

The rates you can expect to pay for bodily injury liability coverage vary depending on the size and class of the vehicle you are driving. More specifically, these rates even vary between models that are in the same class.

Take a look at the following table that shows insurance loss percentages for bodily injury liability insurance based on the make and model of the vehicle.

Keep in mind that the figures shown are either above or below the average rate for all large luxury sedans. In short, models with lower percentages are considered better than average while higher percentages are considered worse than the average.

Large 4-Door Luxury Sedan Bodily Injury Loss Percentages
Car Make and ModelBodily Injury Loss Percentage
Audi A6 4dr 4WD-27%
Audi A7 4dr 4WD-13%
BMW 5 series 4dr-12%
Cadillac CTS 4dr-22%
Genesis G80 4dr 2WD/4WD-27%
Mercedes-Benz E class 4dr-16%
Mercedes-Benz E class 4dr 4WD-38%
Tesla Model S 4dr electric-17%
Tesla Model S 4dr electric 4WD-22%
Get Your Rates Quote Now

Compare RatesStart Now →

Every vehicle on the list of large luxury sedans is considered to have a loss percentage that is at least slightly above average. With a loss percentage of -22 percent, the bodily injury liability rate for the Cadillac CTS is even better than what we have found from the Audi A7, BMW 5 Series, Mercedes E Class, and Tesla Model S.

Knowing these percentages is helpful to see how insurance rates for the Cadillac CTS stack up against the competition. But when it comes to actual dollars and cents, the table below will show you a breakdown for an insurance policy with bodily injury liability coverage. Remember that the following figures are general averages for the CTS.

Average Cadillac CTS Bodily Injury Car Insurance Rates
Car Insurance Coverage LevelCar Insurance Coverage AmountBodily Injury Liability Rates6-Month Total Car Insurance Rates
Get Your Rates Quote Now

Compare RatesStart Now →

Your monthly insurance bill will be in the ballpark of $228.65 if you get the highest level of bodily injury liability coverage. Going with the lowest level of coverage will be roughly $209.52 per month.

Whether or not you think that’s expensive is relative, but one thing to keep in mind is that luxury vehicles are more costly to insure.

How does the size of the Cadillac CTS affect property damage liability car insurance rates?

Property damage liability insurance is another form of coverage that will protect you if and when you are at fault for an accident. This form of insurance will pay for any costs associated with repairing or replacing the other party’s property.

One example where property damage will cover you is in the form of a fender bender. If you happened to damage another person’s car door, this form of insurance will pay for the associated costs to get it repaired.

The best way to see if property damage liability rates for the Cadillac CTS are favorable is by examining loss percentages. The following table shows a breakdown for large luxury sedans.

Four-Door Luxury Sedan Property Damage Loss Percentages
Car Make and ModelProperty Damage Loss Percentage
Acura RLX 4dr-46%
Audi A6 4dr-17%
Audi A6 4dr 4WD-18%
Audi A7 4dr 4WD-14%
Audi RS7 4dr 4WD-18%
Audi S6 4dr 4WD-25%
Audi S7 4dr 4WD-48%
BMW 330xi GT 4dr 4WD-20%
BMW 5 series 4dr-17%
BMW 5 series 4dr 4WD-17%
BMW 5 series plug-in hybrid 4dr-50%
BMW 6 series 4dr-2%
BMW 6 series 4dr 4WD-16%
BMW M550xi 4dr 4WD-10%
Cadillac CT6 4dr-41%
Cadillac CT6 4dr 4WD-24%
Cadillac CTS 4dr-21%
Cadillac CTS 4dr 4WD-25%
Cadillac CTS-V 4dr-37%
Genesis G80 4dr 2WD/4WD-18%
Infiniti Q70 4dr-8%
Infiniti Q70 4dr 4WD7%
Infiniti Q70L 4dr-43%
Infiniti Q70L 4dr 4WD-30%
Jaguar XF 4dr-3%
Jaguar XF 4dr 4WD-14%
Jaguar XJ 4dr LWB-11%
Lexus GS 350 4dr-32%
Lexus GS 350 4dr 4WD-26%
Lexus LC 500 2dr-39%
Lexus RC 300 2dr 4WD-28%
Lexus RC 350 2dr-18%
Lexus RC 350 2dr 4WD-26%
Maserati Ghibli 4dr4%
Maserati Ghibli 4dr 4WD-13%
Mercedes-Benz CLS class 4dr-18%
Mercedes-Benz CLS class 4dr 4WD-42%
Mercedes-Benz E class 2dr-53%
Mercedes-Benz E class 4dr-24%
Mercedes-Benz E class 4dr 4WD-32%
Mercedes-Benz E class AMG 4dr 4WD-33%
Tesla Model S 4dr electric-5%
Tesla Model S 4dr electric 4WD-1%
Get Your Rates Quote Now

Compare RatesStart Now →

All three models of the Cadillac CTS are considered to have a loss percentage that is substantially better than the average. This is good news, especially if you happen to be eyeing a CTS V, which has a loss percentage of -37 percent.

To put that into perspective, we prepared some general quotes that vary in coverage level from low to high. Take a look below to see what you can expect to pay for a policy with property damage liability insurance.

Average Cadillac CTS Property Damage Car Insurance Rates
Car Insurance Coverage LevelCar Insurance Coverage AmountProperty Damage Liability Rates6-Month Total Car Insurance Rates
Get Your Rates Quote Now

Compare RatesStart Now →

There is only a difference of 36 cents between the low and medium levels of coverage. Even electing to get the highest level of coverage is a relatively small difference at $6.64 more.

That little extra coverage might seem small but it will pay for up to $100,000 worth of damage, so it’s definitely worth considering. Ultimately, it’s your call to determine how much coverage is right for you.

What are the safety features of the Cadillac CTS?

The Cadillac CTS underwent a thorough redesign in 2014. By 2016, the front suspension steering links were modified to better control wheel movement during small overlap frontal crashes.

These advances in safety expand upon the already durable foundation for the vehicle. In fact, some of the models from a few years ago received high honors from the industry experts who are responsible for evaluating vehicle safety.

Both the 2011 and the 2012 Cadillac CTS models have undergone crash testing by the 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.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

What are the safety ratings of the Cadillac CTS?

While previous models of the Cadillac CTS came in several different body types, the most recent models only come in one, a four-door sedan. Take a look at the following table to see how the single style of the CTS performed in crash tests administered by the IIHS.

Cadillac CTS Crashworthiness
CrashworthinessCadillac CTS Ratings
Small overlap front: driver sideMarginal
Moderate overlap frontGood
Roof strengthGood
Head restraints & seatGood
Get Your Rates Quote Now

Compare RatesStart Now →

This large luxury sedan performed well in every category with the exception of the small overlap front on the driver’s side of the vehicle. With a score of “Marginal,” it’s passable but not exactly ideal. Let’s take a look at the following video to see how this part of the vehicle performs in a crash test.

The front overlap on the driver’s side seems to be the weak point of the Cadillac CTS. Even though the vehicle endured some damage after going 40 mph into the barrier, the dummy inside was left in decent shape.

Results from the test show that the lower parts of the body on the dummy were exposed to moderate risk of injury due to the instrument panel protruding into the driver’s seated area. However, the frontal and side curtain airbags worked well to keep the head and neck free from any significant injury.

How does the safety of the Cadillac CTS compare to other vehicles with the same size and class?

There are a number of large luxury sedans out on the road every day. Automakers like Audi, BMW, and Cadillac have done a nice job of appealing to the masses with these flashy, forward-thinking cars.

We’d like to think that these automakers, including Cadillac, had safety in mind when constructing these vehicles. That’s why we are going to take a look at the fatality rate for drivers of this vehicle type with data provided by the IIHS.

IIHS Fatality for Drivers of Large Luxury Sedans
Registered VehiclesDeathsRate (Per Million People)
Get Your Rates Quote Now

Compare RatesStart Now →

These figures suggest that the fatality rate of drivers who own a large car, like a luxury sedan, is 53 per million registered vehicles. By comparison, the average for all passenger vehicles is 37 deaths per million registered vehicles that are on to three years old.

Some parts of the vehicle are stronger than others. As we saw in the crash test video in the previous section, the front side overlap on the driver’s side was the weak point for the Cadillac CTS. Other parts of the car are more durable and therefore received higher crash test scores.

Higher fatality rates are the result of a high impact crash occurring on a weaker part of the car. The following table will show data for fatality rates based on where the initial point of impact occurred on this vehicle type. Keep in mind that these figures account for both luxury and standard car models.

Passenger Vehicle Car Crash Occupant Deaths by Point of Impact
Point of Initial ImpactCar OccupantsAll Occupants
Number of deaths:
Percentage of total:
Number of deaths:
Percentage of total:
Number of deaths:
Percentage of total:
Number of deaths:
Percentage of total:
Get Your Rates Quote Now

Compare RatesStart Now →

It’s interesting to see that the highest number of deaths occur on frontal impact crashes. This tells us that this is the weak point for all sedans, not just the Cadillac CTS.

Discussing fatality rates is a rather grim topic but it still needs to be reported so you can be armed with the right information. We will end this section on a high note by showing figures on how safety features have improved over the past decade, leading to fewer of these driver fatalities.

Car Crash Occupant Death Rates 2009-2018
YearDriver Deaths (Per Million)All Passenger Deaths (Per Million)
Get Your Rates Quote Now

Compare RatesStart Now →

Even though there is some fluctuation from year to year, driver and passenger fatalities have gone down a total of 25 percent from 2008 to 2018. And auto manufacturers, including Cadillac, continue to make strides by implementing innovative safety technology in new models.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

What are the theft rates of Cadillac CTS?

Over the past several years, Cadillac has done an excellent job of incorporating new ways to deter car thieves from breaking in and stealing their vehicles. However, sometimes the savviest of car thieves find their way into cars, even luxury models like the Cadillac CTS.

The NHTSA reported that 14 out of 39,484 total Cadillac CTS models were stolen for the most recen model year. That’s a rate of 0.35 per 1,000 that were manufactured.

While this rate is very low, it is still possible for this vehicle to be stolen. That’s why it’s always a good idea to exercise caution when entering and exiting your own CTS.

How do the theft rates of Cadillac CTS affect comprehensive car insurance rates?

Insurance companies look at things like theft rates to help them determine how much to charge for a comprehensive insurance policy. In addition to how safe a certain model is, these providers also look at the home address of the policyholder.

Your car insurance provider is interested in knowing where you live because certain areas see a higher rate of vehicle thefts in comparison to others. Typically, some urban areas have higher crime rates, and that usually results in a more expensive insurance policy for your car.

Even though the Cadillac CTS is not one of the nation’s most commonly stolen cars, it’s still at risk if it’s consistently left in a designated crime hot spot determined by the U.S. Department of Justice.

How much will it cost to repair my Cadillac CTS?

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.

While that may seem like a steep price to pay, your first option should always be to explore whether or not your insurance policy covers mechanical failure.

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.

When it comes to repair costs on a year-by-year basis, experts from RepairPal claim that it will cost $663 a year. These costs include regularly scheduled maintenance appointments like tire rotations and oil changes.

For a full understanding of what certain parts of the Cadillac CTS cost to repair, take a look at the following figures from Instant Estimator.

Cadillac CTS Repair Costs by Body Part
Car PartFront BumperRear BumperHoodRoofFront DoorRear DoorQuarter Panel
Body Labor$121.60$121.60$76.00$76.00$125.40$114.00$76.00
Paint Labor$159.60$174.80$174.80$205.20$136.80$136.80$152.00
Paint Supplies$100.80$110.40$110.40$129.60$86.40$86.40$96.00
Color Tint$19$19.00$19.00$19.00$19.00$19.00$19.00
Cover CarN/A$10.00$10.00$10.00$10.00$10.00$10.00
Hazardous Waste Disposal$5.00$5.00$5.00$5.00$5.00$5.00$5.00
Color, Sand, and Buff$19.00$19.00$19.00$19.00$19.00$19.00$19.00
Total Cost$425.00$459.80$414.20$463.80$401.60$390.20$377.00
Get Your Rates Quote Now

Compare RatesStart Now →

Based on these estimates, the roof is the most expensive part of the Cadillac CTS to repair at a rate of $463.80. The most affordable part of the vehicle to repair is the quarter panel with an estimate of $377.00.

How does the cost of repairs affect collision and comprehensive car insurance rates?

The law makes it a requirement for drivers to carry a minimum amount of car insurance. Sometimes that is not enough, especially to cover the cost for significant repairs.

For these scenarios, collision and comprehensive are a great resource to have in your back pocket to pay for these expenses.

And since every vehicle is different, the average cost of repairs for a Cadillac CTS impact these insurance rates. The amount varies on a case by case basis so the best thing you can do is have a clear understanding of the difference between collision and comprehensive coverage.

Collision and comprehensive car insurance are both designed to protect the driver from having to pay high out-of-pocket costs.

Collision coverage will pay for the cost of repairs on your vehicle after it gets damaged from colliding with another vehicle or object.

Comprehensive coverage offers even more protection by paying for damages to your vehicle that are outside of your control, such as an object falling onto your car.

It is ultimately up to you to figure out which type of coverage is most important to have.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

Other Car Insurance Coverage Rates for 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 large sedans like the Volkswagen Eos, BMW 3 Series, and the Audi A5 are typically around $142 per month.

To get a full understanding of how average insurance rates are calculated, the following video does a nice job of explaining the most common factors considered by providers.

By now, you should have a clear understanding of what the average cost of insurance might be for a Cadillac CTS.

But we still have to explore how the safety ratings of the CTS impact two forms of car insurance called Personal Injury Protection (PIP) and Med Pay.

How do safety ratings of Cadillac CTS affect Personal Injury Protection (PIP) car insurance rates?

Personal Injury Protection (PIP) is another form of coverage that will pay the minimum benefit amount for each person inside your vehicle who sustained an injury as a result of an accident.

Let’s take a look at how the safety ratings of the Cadillac CTS translate to loss percentages compared to other vehicles in the same class.

Large Four-door Luxury Sedan Personal Injury Loss Percentages
Car Make and ModelPersonal Injury Loss Percentage
Audi A6 4dr-29%
Audi A6 4dr 4WD-40%
Audi A7 4dr 4WD-41%
BMW 5 series 4dr-30%
BMW 5 series 4dr 4WD-22%
Cadillac CT6 4dr 4WD-18%
Cadillac CTS 4dr-17%
Cadillac CTS 4dr 4WD-19%
Genesis G80 4dr 2WD/4WD-17%
Jaguar XF 4dr-9%
Jaguar XF 4dr 4WD-30%
Lexus GS 350 4dr-21%
Lexus GS 350 4dr 4WD-24%
Maserati Ghibli 4dr-30%
Maserati Ghibli 4dr 4WD-44%
Mercedes-Benz E class 4dr-18%
Mercedes-Benz E class 4dr 4WD-31%
Tesla Model S 4dr electric-20%
Tesla Model S 4dr electric 4WD-49%
Get Your Rates Quote Now

Compare RatesStart Now →

The two Cadillac CTS models came in with loss percentages at -17 and -19, respectively. Although most of the counterparts in this size class have more favorable loss percentages, the CTS is still on the right side of the median for drivers.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

How do safety ratings of Cadillac CTS affect Med Pay car insurance rates?

Med Pay insurance is reserved for covering expenses like medical bills for you and any passengers in your vehicle that resulted after an accident.

Reports from the IIHS did not include every model that belongs to the large luxury sedan class. As a result, there was no data available regarding Med Pay percentage losses for the Cadillac CTS. However, there are figures for other similar models show below.

Large Four-door Luxury Sedan MedPay Loss Percentages
Car Make and ModelMed Pay Loss Percentage
Audi A6 4dr 4WD-37%
Audi A7 4dr 4WD-41%
Cadillac CT6 4dr 4WD-20%
Genesis G80 4dr 2WD/4WD8%
Mercedes-Benz E class 4dr11%
Mercedes-Benz E class 4dr 4WD-22%
Tesla Model S 4dr electric-51%
Tesla Model S 4dr electric 4WD-46%
Get Your Rates Quote Now

Compare RatesStart Now →

If these figures tell us anything, it’s that most large luxury sedans have a favorable loss percentage. At -20 percent, the Cadillac CT6’s loss percentage could be telling of what might be true for the CTS. After all, they are both large luxury vehicles designed by the same auto manufacturer.

By now, you have learned a lot of information about the Cadillac CTS as it relates to the vehicle’s history, what types of insurance are available for the model, and more. But in case you still have a few lingering questions, feel encouraged to move on to the next and final section of this comprehensive article.

History of the Cadillac CTS

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.

Currently, 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 luxury sedans.

So what’s it like to drive one of these cars? The following video from Kelley Blue Book (KBB) reviews a third-generation model.

The harmonious combination of speed, power, and elegance is what people love so much about the Cadillac CTS. To learn just how much the car-buying public is interested in this sedan, let’s take a look at the sales numbers.

Data collected from GoodCarBadCar reports a total of 11,220 sales in 2018, up from 10,344 the previous year. That’s an increase of 8.46 percent year over year.

As the review video from KBB mentioned, the Cadillac CTS was in need of a modern makeover to ditch its stale look and become more appealing. It’s fair to say that the increase in sales numbers are proof that more people are happy with the new changes.

Cadillac CTS FAQs

Even though we have covered a lot of details about the Cadillac CTS, it is always helpful to have cut and dry information in a concise package.

In order to tie up any loose ends, the last section of this piece will explore frequently asked questions that most people have about this large luxury sedan.

Keep reading so you can learn every pressing detail you would ever want to know about the Cadillac CTS.

Is the Cadillac CTS a reliable car?

The Cadillac CTS earned an excellent reliability score of 9.0 out of 10 from J.D. Power and Associates. and a score of five out of five from the NHTSA.

This is an exceptional score that only a few sedans earn overall, but several vehicles in the CTS’ upscale large 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.

What Does the Cadillac CTS stand for?

As one of Cadillac’s most impressive yet accessible cars, the CTS acronym stands for “Catera Touring Sedan.”

This name stems back all the way to its first year of production which occurred nearly two decades ago. From 1997-2001, Cadillac had a model called the “Catera” and the automaker decided that this moniker would have a second life with the newly produced CTS models.

What is Cadillac’s fastest car?

Out of Cadillac’s entire lineup of vehicles, the Cadillac CTS V is the auto maker’s fastest and most powerful car.

The 2019 Cadillac CTS V is equipped with a 6.2-liter V8 supercharged engine that is capable of getting up to 200 mph.

What does the V stand for on the CTS V model?

Catering to the thrill-seekers, the “V” model stands for “voracious.”

This CTS model is more sporty and carries more horsepower compared to the standard edition CTS models.

Is the Cadillac CTS expensive to maintain?

Compared to other large luxury sedans, the Cadillac CTS is relatively affordable to maintain.

The average annual cost of repair work for the model is $663, which is on par with most vehicles you see on the road.

If you are interested in driving home in a Cadillac CTS of your very own, you will need to have an adequate insurance policy. Get quoted today by punching in your five-digit ZIP code into the box below. It will be the first step you take to get the perfect policy to suit your needs.