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Cadillac CT5 car insurance rates

Its safety features and new car warranty will help cut costs on high insurance rates for this luxury car.

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The 2020 CT5 is swinging into the Cadillac lineup this fall to replace its three mainstay sedan models — the ATS, CTS and XTS.

The purchase cost isn’t the only luxury price tag you’ll encounter if you’re considering this model. Expect the estimated average annual insurance rate to be around $2,000 — or $700 more a year than the $1,300 national average. Given it’s not launching until later this year, the figure is based on the rates of similar models and should be used as a general guide.

A luxury sedan is going to run on the more expensive side no matter the model, and the CT5 is no exception. Consider these several factors that affect the CT5’s high insurance rates.

  • Body type. Sedans and smaller cars tend to come with less expensive rates.
  • Fuel. The CT5 will sport a fuel-management system to help conserve on gas, which can save you money on fuel costs and insurance premiums.
  • Theft rates. According to the NHTSA, the Cadillac CTS averaged about 67 reported thefts between 2003 and 2014, which is above the established median. The CT5 will be similar, so you can expect the rates to line up, with a higher theft rate meaning higher premiums.
  • Maintenance. Cadillac has dealerships across the country, and parts are easily sourced given it’s part of General Motors — a domestic company. This can result in lower premium costs than those of foreign cars, especially those considered luxury vehicles.
  • Coverage. Since the CT5 will be pricier than your average sedan, it may be worth looking into luxury car insurance. Typically you’ll find better coverage rates that actually match the cost of repairs and replacement when you head to specialized insurers.
  • Warranty. Cadillac has quite a few warranty options, so find out what’s covered to avoid doubling up. Cadillac Shield is included with all models made since 2011, and has 24/7 roadside assistance, so there’s likely no need to purchase it separately with an insurer.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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Does the Cadillac CT5 qualify for discounts?

Luxury vehicles may be more costly, but they also come with standard and optional features that can help you save on your premium discounts, including:

  • Antilock brakes
  • Antitheft devices
  • Safety restraints

Why is insurance so expensive for the CT5?

As with all luxury vehicles, you’ll find that the CT5’s car insurance rates will likely run much higher than the national average. This is because the costs to repair and replace a luxury vehicle are significantly higher.

How reliable is the Cadillac CT5?

The Cadillac CT5 isn’t out just yet, but its reliability will likely be comparable to other Cadillac sedans. What we know so far is that, depending on the version you get — luxury, premium luxury or sport — there are a number of safety features that come standard or can be added on, including:

  • Automatic emergency braking
  • Forward collision alert
  • Blind zone alert
  • Pedestrian detection
  • 360-degree camera system
  • Rear-camera mirror
  • Antilock brakes
  • Automatic parking assist

Bottom line

Before you reserve your new Cadillac CT5, it’s important to mind the costs associated with it, including car insurance. Whether you’re tempted to look at another make or model, or you just want to get a better idea of overall car insurance rates, make sure to compare your options and get coverage that fits your needs at a price that matches your budget.

Frequently asked question about Cadillac CT5 insurance

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