On average, Cadillac drivers pay $1,868 each year for car insurance. But depending on the model you have, your insurance rates could vary. A ATS costs $2,778 less more per year to insure than a CTS Hi Feature V6.
Here’s what drivers pay when they switch with Jerry
Here are some real quotes from Jerry customers who saved money when insuring their Cadillac.
Insurance companies consider factors such as your demographic information, driving history, and location when setting your premium. But since they each weigh these factors differently, you could find varying rates across providers.
The cheapest insurer for Cadillac is Ready Insurance, with an annual premium of $1,403.
Other popular carriers for Cadillac include the following:
Drivers who are tech-savvy and have a safe record will like Nationwide. Their robust online platform, great mobile app, and intuitive website earn them a rating of 4.6/5 from Jerry.
Progressive is one of the biggest insurers in the country, so it’s no wonder that they have a wide range of coverages, strong financial stability, and lots of discounts and features. Progressive is a good option for tech-savvy and high-risk drivers. Jerry rates it a 4.6/5.
Kemper specializes in serving high-risk drivers. It files SR22 forms for drivers who require proof of coverage and even provides insurance for rebuilt salvage vehicles. Jerry rates Kemper a 4.3/5.
Affordable coverage for young drivers is available with Safeco. Safeco also has a cashback program, which offers a small refund for every six months that you remain claims-free. Jerry rates Safeco a 4.5/5.
Allstate is a big name in insurance and it has an impressive network of agents and repair shops. The company offers lots of helpful digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Jerry gives Allstate a rating of 4.5/5.
If you’re looking for insurance add-ons, Travelers is a great choice. Options include roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. There are also various discounts to help lower premiums, such as for good students or safe drivers. Jerry gives Travelers a 4.7/5 rating.
State Auto offers good value for safe and experienced drivers. With a wide range of coverage options and the ability to file claims online, Safe Auto earns a rating of 4.1/5 from Jerry.
For high-risk drivers, National General is an excellent choice. Their claims satisfaction guarantee is available in most states and means that they’ll waive your deductible up to $250 if you’re unhappy with your claims experience. Jerry rates National General a 4.1/5.
Dairyland is also a good option for drivers who are classified as high risk. Benefits include flexible payment plans plus live claims support 24/7 in almost 40 states. Dairyland gets a rating of 4.6/5 from Jerry.
Tech-savvy drivers will find a great provider in Clearcover. Their award-winning app lets you file a claim, pay your premium, and access proof of insurance—all at the touch of a button. Jerry rates Clearcover a 4.1/5.
How to compare prices to find the most affordable coverage
If you’re in the market for insurance, you’re probably looking for a deal—but beware of the cheapest option. A low price can be tempting, but if it means dropping important coverages then it’s never worth it.
It’s a good idea to compare rates from three to five different providers to find the best option. If you want to do it the hard way, you can head to their websites, complete the forms, and get your quotes.
If you prefer the easy way (and who doesn’t?), just get Jerry. Jerry can provide you with competitive quotes in under a minute and makes swapping policies just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf.
Here’s how much drivers paid with various insurance carriers before and after switching with Jerry.
Avg. Annual Premium
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.
Cost of insuring a Cadillac
Cost of insuring with minimum coverage and full coverage
Your rate may vary depending on the coverage you select. But remember that your coverage must meet or exceed the mandatory insurance minimums set out by your state.
Here are the basic types of insurance that your state may require:
Pays for your own medical expenses after a car accident
If you can afford it, consider purchasing more than just the minimum required insurance for your vehicle. Even a relatively minor accident can result in thousands of dollars of damage and medical costs. And if you were at fault, you’ll be liable for paying those costs out of pocket if you don’t have enough insurance coverage.
If you’re leasing or financing a Cadillac, your lender or dealer will likely require you to purchase full-coverage insurance. You should also purchase full coverage if you can’t afford to replace your car in the event that it’s totaled.
Insurance companies look at your age and driving record to help them understand your experience and risk level. Younger drivers are statistically more likely to get into accidents, which is why they usually pay higher rates than more experienced drivers.
If you have traffic violations on your record, you’ll also likely pay more. While minor offenses, like speeding, won’t do much damage to your rate, serious ones—things like DUIs and reckless driving charges—will cause your premium to skyrocket.
But it’s not all bad! Improving your driving habits and keeping a clean record moving forward will help you attain lower premiums over time.
Here’s how accidents and violations can affect car insurance costs for Cadillacs by age group:
Key Takeaway Insurance costs for your Cadillac will vary depending on factors like your driving record, age, and insurance coverage needs.
Cost of insuring popular models
Not all Cadillacs are equal, and the model you choose will impact your rate. Generally speaking, more expensive vehicles cost more to repair or replace, so you’ll pay higher insurance premiums for them.
But whether you’re driving a subcompact CT4 or a tricked-out Escalade, Jerry can help you find affordable insurance coverage fast.
As a licensed broker, Jerry tackles all the hard parts of insurance shopping so that you don’t have to. From comparing rates and finalizing policies to canceling your old coverage and handling renewals, Jerry takes care of everything. Did we mention that it’s totally free to use?
The average Jerry user saves a whopping $897 per year on their car insurance!
If you want to learn more about car insurance costs for some of the most popular makes, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
Cost of insuring your Cadillac by year
Most and least expensive years of car
We know—a new Cadillac is almost too good to resist. But if you’re looking for insurance savings, you’d be better off going with a used model.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace it if you need to make a claim. That means lower premiums for you.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Cadillacs are 1995 and 1996.
The most expensive years for Cadillacs are 2020 and 2019.
Key Takeaway Older Cadillacs typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
Cost of insuring a Cadillac in your city
Due to differences in occurrences of accidents, crime, and natural disasters, insurance rates vary pretty widely depending on your location. Even within the same county or state, you’ll find different prices for the same coverage.
It mainly comes down to the amount of risk your insurance company has to take on to insure you. If you live somewhere with lots of collisions, car thefts, or severe weather events, you’re considered more likely to make a claim and will pay more for your coverage.
According to our data, there is a high percentage of Cadillac drivers in cities including Watauga (TX), Houston (TX), Buffalo (NY), Kansas City (KS) and Neptune (NJ).
The cheapest car insurance for Cadillac for Jerry users is in Gettysburg (PA) and Rusk (TX).
The most expensive car insurance for Cadillac for Jerry users is in Tuckahoe (NY) and Harper Woods (MI).