Best Cadillac CTS Auto Insurance in 2024 (See Our Top 10 Company Picks)
Amica, Nationwide, and Geico are the top choices for the best Cadillac CTS auto insurance, with rates starting at $85 per month. When considering Cadillac insurance cost, it's important to compare the rates and coverage options from these leading providers to find the best deal for your needs.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 21, 2024
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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: Oct 21, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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.
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Amica, Nationwide, and Geico stand out as the top options for the best Cadillac CTS auto insurance, offering rates that begin at $85 per month. When considering types of auto insurance coverage, it’s essential to understand how much is insurance for a Cadillac CTS to ensure you get the best deal on your Cadillac car insurance.
By comparing these options, you can find the most cost-effective and comprehensive insurance plan to protect your vehicle.
Our Top 10 Company Picks: Best Cadillac CTS Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A+ Customer Service Amica
#2 20% A+ Broad Coverage Nationwide
#3 25% A++ Affordable Rates Geico
#4 25% A Member Benefits AAA
#5 25% A+ Claim Process Allstate
#6 8% A++ Flexible Policies Travelers
#7 12% A+ Discount Options Progressive
#8 25% A Comprehensive Plans Liberty Mutual
#9 10% A+ Competitive Pricing Erie
#10 20% B Nationwide Network State Farm
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.
- Amica, Nationwide, and Geico offer the best Cadillac CTS auto insurance
- Comprehensive and collision coverage are essential for Cadillac CTS
- Rates start at $85 per month, ensuring affordable Cadillac car insurance
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#1 – Amica: Top Overall Pick
Pros
- Competitive Rates: As mentioned in our Amica auto insurance review, Amica offers Cadillac CTS auto insurance at $210 monthly, making it one of the more affordable options for owners of this luxury sedan, ensuring budget-friendly full coverage.
- Customer Satisfaction: Amica is renowned for its high customer satisfaction ratings, ensuring Cadillac CTS owners receive exceptional service and prompt support for all their insurance needs.
- Comprehensive Coverage: Amica provides extensive coverage options, including comprehensive and collision coverage, vital for protecting the high value of Cadillac CTS vehicles.
Cons
- Limited Discounts: Amica may offer fewer discounts compared to other providers, which could mean Cadillac CTS owners miss out on potential savings through multi-policy or safety feature discounts.
- Availability: Amica’s services are not available in all states, potentially limiting access for some Cadillac CTS owners who might otherwise benefit from their competitive rates.
#2 – Nationwide: Best for Broad Coverage
Pros
- Solid Coverage Options: Nationwide provides robust coverage options for Cadillac CTS owners, including liability, collision, and comprehensive insurance, ensuring thorough protection for luxury vehicles.
- Discount Opportunities: As mentioned in our Nationwide auto insurance review, Nationwide offers a variety of discounts beneficial to Cadillac CTS owners, such as multi-policy discounts, safe driver discounts, and anti-theft device discounts.
- Financial Strength: Nationwide’s strong financial stability means Cadillac CTS drivers can rely on the company to pay out claims promptly and effectively, ensuring peace of mind.
Cons
- Higher Rates: At $220 monthly, Nationwide’s rates are higher than some competitors, which might not be ideal for Cadillac CTS owners seeking the most economical insurance options.
- Mixed Customer Reviews: While generally positive, some Cadillac CTS owners have reported issues with Nationwide’s customer service and claims processing, which could be a concern.
#3 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico offers one of the lowest rates for Cadillac CTS auto insurance at $180 monthly, making it an economical choice for comprehensive coverage of luxury vehicles.
- Discount Variety: Geico provides numerous discounts, including multi-policy, good driver, and vehicle safety feature discounts, significantly reducing premiums for Cadillac CTS owners.
- User-Friendly Experience: Geico auto insurance review highlights the online tools and mobile app makes it easy for Cadillac CTS drivers to manage their policies, file claims, and access customer support quickly and efficiently.
Cons
- Limited Coverage Options: Geico may not offer as extensive coverage options as some other insurers, which could be a drawback for Cadillac CTS owners seeking additional coverage add-ons like gap insurance.
- Customer Service: Some Cadillac CTS owners have reported less satisfactory experiences with Geico’s customer service, particularly concerning claims handling and resolution times.
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#4 – AAA: Best for Member Benefits
Pros
- Comprehensive Coverage: As outlined in our AAA auto insurance review, AAA provides comprehensive coverage options for Cadillac CTS owners, including liability, collision, and uninsured motorist coverage, ensuring thorough protection for luxury vehicles.
- Roadside Assistance: AAA’s renowned roadside assistance service is a significant benefit for Cadillac CTS drivers, offering peace of mind in case of breakdowns or emergencies.
- Membership Perks: AAA members can enjoy additional benefits, such as travel discounts and other perks, adding value to their Cadillac CTS insurance beyond just coverage.
Cons
- Higher Premiums: At $230 monthly, AAA’s rates are on the higher side, which might not be ideal for Cadillac CTS owners looking for the most affordable insurance options.
- Membership Requirement: AAA insurance often requires membership, which could be an additional cost and inconvenience for Cadillac CTS owners who do not already belong to AAA.
#5 – Allstate: Best for Claim Process
Pros
- Extensive Coverage Options: The Allstate auto insurance review showcases wide range of coverage options for Cadillac CTS owners, including comprehensive, collision, and various add-ons like rental reimbursement and roadside assistance.
- Discounts and Rewards: Allstate provides multiple discounts and a rewards program that can benefit Cadillac CTS owners, including safe driver discounts and bonuses for no claims.
- Strong Customer Support: Allstate is known for its strong customer support, offering Cadillac CTS drivers easy access to agents and a helpful claims process.
Cons
- Higher Rates: At $240 monthly, Allstate’s rates are among the highest, which may not be suitable for Cadillac CTS owners looking for the lowest possible premiums.
- Policy Complexity: Allstate’s policies can be complex, with numerous add-ons and optional coverages that may be confusing for Cadillac CTS owners to navigate.
#6 – Travelers: Best for Flexible Policies
Pros
- Competitive Rates: Travelers offers competitive rates at $200 monthly for Cadillac CTS auto insurance, balancing affordability and comprehensive coverage.
- Broad Coverage Options: Travelers provides extensive coverage options, including liability, collision, and comprehensive coverage, essential for protecting the high value of Cadillac CTS vehicles.
- Financial Stability: Travelers auto insurance review highlights strong financial stability ensures that Cadillac CTS drivers can trust the company to handle claims efficiently and reliably.
Cons
- Limited Discounts: Travelers may offer fewer discount options compared to other insurers, potentially limiting savings for Cadillac CTS owners who qualify for multiple discounts.
- Customer Service Variability: Some Cadillac CTS owners have reported inconsistent experiences with Travelers’ customer service, particularly regarding claims processing times.
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#7 – Progressive: Best for Discount Options
Pros
- Affordable Rates: Progressive offers Cadillac CTS auto insurance at $190 monthly, providing a budget-friendly option for owners seeking comprehensive coverage.
- Snapshot Program: Progressive’s Snapshot program rewards safe driving habits with potential discounts, benefiting Cadillac CTS owners who drive responsibly. (Read More: Progressive Auto Insurance Discounts).
- Wide Range of Coverage: Progressive offers a wide range of coverage options, including gap insurance and custom parts coverage, ideal for Cadillac CTS drivers seeking tailored protection.
Cons
- Customer Service Concerns: Some Cadillac CTS owners have reported issues with Progressive’s customer service, particularly in resolving claims quickly and effectively.
- Rate Increases: Progressive may increase rates after claims or traffic violations, which could be a disadvantage for Cadillac CTS owners with less-than-perfect driving records.
#8 – Liberty Mutual: Best for Comprehensive Plans
Pros
- Comprehensive Coverage: Liberty Mutual provides extensive coverage options, including comprehensive and collision coverage, ensuring Cadillac CTS owners have robust protection for their vehicles.
- Various Discounts: As mentioned in our Liberty Mutual auto insurance review, Liberty Mutual offers a variety of discounts that can benefit Cadillac CTS owners, such as multi-policy, safe driver, and anti-theft device discounts.
- Accident Forgiveness: Liberty Mutual’s accident forgiveness program can prevent rate increases after the first accident, which is advantageous for Cadillac CTS drivers.
Cons
- Higher Premiums: At $250 monthly, Liberty Mutual’s rates are the highest among competitors, which might not be ideal for Cadillac CTS owners seeking more affordable insurance options.
- Complex Policy Structure: Liberty Mutual’s policy structure can be complex, making it challenging for Cadillac CTS owners to understand all available options and coverage details.
#9 – Erie: Best for Competitive Pricing
Pros
- Affordable Rates: Erie offers Cadillac CTS auto insurance at $185 monthly, providing a cost-effective option for luxury vehicle coverage without sacrificing comprehensive protection.
- Exceptional Customer Service: Erie is known for its exceptional customer service, ensuring Cadillac CTS owners receive prompt and helpful support for their insurance needs. Read more about their ratings in our Erie auto insurance review.
- Rate Lock: Erie’s rate lock feature prevents rates from increasing unless changes are made to the policy, offering Cadillac CTS drivers financial stability and predictability.
Cons
- Limited Availability: Erie’s insurance services are not available nationwide, which could limit access for some Cadillac CTS owners looking for their competitive rates.
- Fewer Discounts: Erie may offer fewer discounts compared to larger insurers, potentially limiting savings opportunities for Cadillac CTS owners who qualify for multiple discounts.
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#10 – State Farm: Best for Nationwide Network
Pros
- Extensive Agent Network: State Farm has an extensive network of agents nationwide, making it easy for Cadillac CTS owners to find personalized support and assistance no matter where they are located.
- Comprehensive Coverage Options: State Farm provides a wide range of coverage options, including liability, collision, and comprehensive insurance, essential for protecting the high value of Cadillac CTS vehicles.
- Discount Opportunities: As outlined in our State Farm auto insurance review, State Farm offers numerous discounts, such as multi-policy, good driver, and vehicle safety discounts, helping Cadillac CTS owners reduce their premiums.
Cons
- Higher Rates for Younger Drivers: State Farm’s rates can be higher for younger Cadillac CTS drivers, making it less appealing for this demographic seeking affordable insurance.
- Mixed Customer Reviews: Some Cadillac CTS owners have reported mixed experiences with State Farm’s customer service, particularly regarding claims handling and resolution times.
Cadillac CTS Insurance Cost
The average Cadillac CTS auto insurance costs are $1,502 a year or $125 a month. The table below compares monthly rates for minimum and full coverage car insurance for Cadillac CTS from various providers.
Cadillac CTS Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $95 $230
Allstate $100 $240
Amica $85 $210
Erie $78 $185
Geico $70 $180
Liberty Mutual $110 $250
Nationwide $90 $220
Progressive $75 $190
State Farm $82 $205
Travelers $80 $200
Choosing the right insurance provider for your Cadillac CTS can significantly impact your annual costs, with rates varying widely across different companies. By comparing auto insurance quotes, you can find a balance between comprehensive coverage and affordable premiums.
Why Are Cadillac CTSs Expensive to Insure
The chart below details how Cadillac CTS insurance rates compare to other sedans like the Audi A3, Cadillac ATS, and Kia Optima.
Cadillac CTS Auto Insurance Monthly Rates vs. Other Vehicles
| Vehicles | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Cadillac CTS | $27 | $52 | $33 | $125 |
| Audi A3 | $24 | $47 | $33 | $117 |
| Cadillac ATS | $25 | $47 | $33 | $118 |
| Kia Optima | $27 | $44 | $35 | $121 |
| Nissan Altima | $26 | $48 | $33 | $119 |
| MINI Hardtop 4 Door | $25 | $47 | $33 | $118 |
| Volkswagen Passat | $28 | $50 | $33 | $123 |
The Cadillac CTS tends to have higher insurance costs compared to other sedans due to its higher collision coverage rates. However, by understanding these differences, you can make more informed decisions to manage your insurance expenses effectively.
Factors Impact the Cost of Cadillac CTS Insurance
The cost of insuring a Cadillac CTS can be influenced by several factors. The specific trim and model of the Cadillac CTS you choose significantly affect the total price of insurance coverage.
Newer models or higher trims often come with advanced features and higher repair costs, leading to increased insurance premiums.
Additionally, factors such as the age of the vehicle, driver’s age, location, driving record, and the safety ratings of the Cadillac CTS play crucial roles in determining the overall insurance cost.
Age of the Vehicle
Insurance rates for newer Cadillac CTS models are typically higher than for older ones due to increased repair costs and features.
Cadillac CTS Auto Insurance Monthly Rates by Coverage Type
| Model Year | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Cadillac CTS | $28 | $53 | $34 | $127 |
| 2023 Cadillac CTS | $27 | $52 | $33 | $125 |
| 2022 Cadillac CTS | $26 | $51 | $35 | $124 |
| 2021 Cadillac CTS | $25 | $49 | $36 | $123 |
| 2020 Cadillac CTS | $24 | $47 | $37 | $121 |
| 2019 Cadillac CTS | $23 | $44 | $38 | $117 |
| 2018 Cadillac CTS | $22 | $41 | $38 | $114 |
| 2017 Cadillac CTS | $21 | $37 | $38 | $109 |
| 2016 Cadillac CTS | $19 | $34 | $38 | $105 |
| 2015 Cadillac CTS | $19 | $32 | $39 | $102 |
Newer models of the Cadillac CTS tend to have higher insurance rates due to their increased repair costs and advanced features. As the vehicle ages, the insurance premiums generally decrease, offering potential savings for owners of older models.
Driver Age
Driver age significantly affects Cadillac CTS auto insurance rates, with younger drivers facing much higher premiums. For instance, a 20-year-old may pay considerably more per month compared to a 30-year-old driver.
Cadillac CTS Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 18 | $540 |
| Age: 20 | $460 |
| Age: 30 | $160 |
| Age: 40 | $140 |
| Age: 50 | $130 |
| Age: 60 | $120 |
Younger drivers typically face higher insurance premiums for the Cadillac CTS due to their increased risk profile. As drivers age, insurance costs generally decrease, reflecting improved driving experience and lower risk.
Driver Location
The location where you live plays a crucial role in determining the insurance rates for your Cadillac CTS. Factors such as local crime rates, population density, and weather conditions can significantly influence the cost of coverage.
Cadillac CTS Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Chicago, IL | $175 |
| Columbus, OH | $160 |
| Houston, TX | $185 |
| Indianapolis, IN | $155 |
| Jacksonville, FL | $180 |
| Los Angeles, CA | $220 |
| New York, NY | $245 |
| Philadelphia, PA | $200 |
| Phoenix, AZ | $165 |
| Seattle, WA | $170 |
Insurance premiums for the Cadillac CTS can vary widely based on geographic location, with urban areas often resulting in higher costs. Understanding these regional differences can help drivers make more informed insurance choices.
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 auto insurance rates with violations on their driving record.
Cadillac CTS Auto Insurance Monthly Rates by Age & Driving History
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 18 | $562 | $734 | $900 | $645 |
| Age: 20 | $486 | $635 | $780 | $558 |
| Age: 30 | $223 | $290 | $355 | $265 |
| Age: 40 | $193 | $250 | $310 | $230 |
| Age: 50 | $172 | $225 | $278 | $205 |
| Age: 60 | $158 | $210 | $260 | $190 |
Driving record significantly affects the cost of Cadillac CTS insurance, with violations leading to substantial premium increases. Maintaining a clean record is essential for keeping insurance costs manageable, especially for younger drivers.
Cadillac CTS Safety Ratings
Your Cadillac CTS auto insurance rates are tied to the safety ratings of the Cadillac CTS. See the breakdown below:
Cadillac CTS Safety Ratings
| Type | Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
Cadillac CTS Crash Test Ratings
Cadillac CTS crash test ratings will affect your Cadillac CTS auto insurance rates. The crash test ratings of the Cadillac CTS significantly influence insurance premiums, with higher ratings typically resulting in lower costs.
| Vehicle | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2024 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2024 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2023 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2023 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2023 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2022 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2022 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2022 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2021 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2021 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2021 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2020 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2019 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2018 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Cadillac CTS-V 4 DR RWD | 4 stars | 4 stars | 5 stars | 5 stars |
| 2017 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Cadillac CTS 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Cadillac CTS 4 DR RWD | 5 stars | 5 stars | 5 stars | 5 stars |
By choosing models with better safety ratings, owners can benefit from enhanced protection and potential savings on their insurance.
Cadillac CTS Safety Features
Good Cadillac CTS safety features can result in insurers giving you auto insurance discounts. The safety features for the 2020 Cadillac CTS are:
- Comprehensive airbag system, including driver, passenger, front, and rear side airbags.
- Advanced 4-wheel ABS and disc brakes for enhanced stopping power.
- Electronic stability control and traction control for improved handling.
- Daytime running lights and integrated turn signal mirrors for better visibility.
- Child safety locks and emergency trunk release for added security.
Discover the various auto insurance discounts offered by top providers for Cadillac CTS to help you save on your premiums.
These discounts from top insurance providers for Cadillac CTS offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
Cadillac CTS Insurance Loss Probability
The lower percentage means lower Cadillac CTS auto insurance rates; higher percentages mean higher Cadillac CTS auto insurance rates. Insurance loss probability on the Cadillac CTS fluctuates between each type of coverage.
Cadillac CTS Auto Insurance Loss Probability
| Coverage | Loss |
|---|---|
| Collision | 23% |
| Comprehensive | 18% |
| Personal Injury | -27% |
| Property Damage | -28% |
The loss probability for various coverage types can significantly impact Cadillac CTS insurance rates, with lower loss rates generally leading to reduced premiums. Understanding these probabilities can help owners make informed decisions when selecting coverage options.
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Cadillac CTS Finance and Insurance Cost
When financing a Cadillac CTS, it’s essential to consider the total cost of ownership, which includes insurance premiums. Purchasing Cadillac CTS auto insurance directly from the dealership often leads to higher rates due to potential markups and limited coverage options.
By shopping around and comparing quotes from multiple providers, you can find more competitive rates and better coverage tailored to your needs.Scott W. Johnson LICENSED INSURANCE AGENT
Utilize our free tool below to explore various insurance options, discounts, and policies that align with your budget. This proactive approach can save you money in the long run and ensure that you’re adequately protected on the road. Always read the fine print and understand the terms before finalizing any insurance agreement to avoid unexpected costs.
5 Ways to Save on Cadillac CTS Insurance
You can save more money on your Cadillac CTS auto insurance rates by employing any of the following five strategies.
- Improve your credit score
- Apply for your full, unrestricted license as soon as you’re eligible
- Take a defensive driving course or any driver’s education course
- Audit your Cadillac CTS driving when you move to a new location or start a new job
- Re-check Cadillac CTS auto insurance quotes every 6 months
By implementing these five strategies, you can effectively reduce your Cadillac CTS insurance costs. Staying proactive about your driving habits and insurance options will help you secure the best rates possible.
Read More: How Credit Scores Affect Auto Insurance Rates
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 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 10 Cadillac CTS Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $65,615,190 | 9.30% |
| #2 | Geico | $46,106,971 | 6.60% |
| #3 | Progressive | $39,222,879 | 5.60% |
| #4 | Liberty Mutual | $35,600,051 | 5.10% |
| #5 | Allstate | $35,025,903 | 5.00% |
| #6 | Travelers | $28,016,966 | 4.00% |
| #7 | USAA | $23,483,080 | 3.30% |
| #8 | Chubb | $23,388,385 | 3.30% |
| #9 | Farmers | $20,643,559 | 2.90% |
| #10 | Nationwide | $18,442,145 | 2.60% |
When selecting an insurance provider for your Cadillac CTS, consider the market share and potential discounts available. Finding the right company can help you maximize savings while ensuring comprehensive coverage.
Understanding the market share of the largest auto insurers can help you make informed decisions about your coverage options. Choosing a well-established company may provide better stability and service for your auto insurance needs.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
Frequently Asked Questions
Should I purchase gap insurance for my Cadillac CTS?
Guaranteed auto protection (gap) insurance is worth considering, especially if you have a loan or lease on your Cadillac CTS. Gap insurance covers the difference between the actual cash value of your vehicle and the remaining balance on your loan or lease in the event of a total loss.
This can be beneficial since the depreciation of a vehicle can outpace its market value, leaving you with potential financial gaps in case of an accident or theft.
How much does insurance for a Cadillac CTS cost?
The cost of insurance for a Cadillac CTS can vary based on various factors, including your location, driving history, age, gender, coverage options, and the specific model and trim of your Cadillac CTS. It’s recommended to get quotes from different insurance providers to compare prices and find the best coverage at a competitive rate.
Use our free comparison tool below to see what auto insurance quotes look like in your area.
Are Cadillac CTS cars expensive to insure?
Insurance rates for Cadillac CTS cars can vary depending on factors such as the model year, trim level, engine size, safety features, and the driver’s personal profile. Generally, higher-end models or newer Cadillac CTS cars may have higher insurance rates due to their higher repair costs. However, it’s best to check with insurance providers for accurate quotes based on your specific circumstances.
What are the typical coverage options for Cadillac CTS auto insurance?
The typical coverage options for Cadillac CTS auto insurance include:
- Liability Coverage: This coverage is mandatory in most states and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Collision Coverage: This coverage helps pay for repairs or replacement of your Cadillac CTS if it’s damaged in a collision, regardless of who is at fault.
- Comprehensive Coverage: This coverage protects your Cadillac CTS against non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient insurance coverage or no insurance at all.
- Personal Injury Protection (PIP): This coverage pays for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault.
Choosing the right coverage options for your Cadillac CTS is crucial for ensuring adequate protection on the road. By understanding these typical coverage types, you can tailor your policy to meet your specific needs and preferences.
Read More: Collision vs. Comprehensive Auto Insurance
How often should I review my Cadillac CTS insurance policy?
It’s advisable to review your insurance policy every six months to ensure you are getting the best coverage at the most competitive rate. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
How can I find the best insurance rates for my Cadillac CTS?
To find the best insurance rates for your Cadillac CTS, consider the following steps:
- Shop Around: Get quotes from multiple insurance providers to compare rates and coverage options.
- Evaluate Coverage Needs: Determine the level of coverage you require based on your budget and circumstances.
- Consider Deductibles: Higher deductibles can lower your premiums, but ensure you can afford the deductible amount if you need to file a claim.
- Check for Discounts: Inquire about available discounts that you may qualify for.
- Review Customer Reviews and Ratings: Consider the reputation and customer service of insurance companies before making a decision.
By following these steps, you can effectively find the best insurance rates for your Cadillac CTS. Taking the time to compare options and seek advice can lead to significant savings and better coverage.
Does the year of my Cadillac CTS affect insurance rates?
Yes, newer Cadillac CTS models generally have higher insurance rates due to their higher value and repair costs. Older models may have lower premiums but may lack certain safety features that insurers consider.
Is it worth comparing insurance quotes for my Cadillac CTS?
Absolutely; comparing quotes allows you to find the best Cadillac CTS auto insurance rates tailored to your needs, potentially saving you significant money.
Are there any discounts available for insuring a Cadillac CTS?
Yes, many insurance companies offer discounts that can reduce the cost of insuring a Cadillac CTS. Common discounts include multi-vehicle and multi-policy discounts for bundling coverage, safe driver discounts for a clean driving record, and safety feature discounts for vehicles equipped with anti-lock brakes and airbags.
Students can also qualify for a good student discount based on their academic performance. Read more details about bundling coverage discounts on our page titled “How to Save Money by Bundling Insurance Policies.”
How do insurance companies assess risk based on gender?
Insurance companies analyze historical claims data, which indicates that certain demographics, including gender, can affect accident rates and therefore impact premium calculations.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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