How much is auto insurance for a Cadillac CTS?

According to U.S. News and World Report, the Cadillac CTS represents the resurgence of American automakers. It ranks fourth among upscale midsize cars, tying with Infiniti’s G sedan and the Mercedes-Benz C Class.

Car and Driver describes the CTS as a “world-class competitor,” and Detroit News agrees. Businessweek calls it a “contender” and Motor Trend dubs it one of the world’s “finest cars.”

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Edmunds’ reviewer thinks the CTS is “unusually handsome,” and U.S. News explains that the CTS’ angular, athletic lines help it stand out in a class of cars that are becoming increasingly rounded at the edges. Motor Trend places this Cadillac sedan’s build quality on par with that of BMW sedans.

The CTS can be equipped with either a 3.0 liter or a 3.6 liter V6 engine, both of which can challenge competing sedans from BMW and Mercedes, according to the Kansas City Star.

Car and Driver applauds the 2011 CTS’ “quick responses,” and New Car Test Drive called the CTS’ handling “very stable” and “confidence-inspiring”.

AutoWeek finds the 2011 CTS’ interior “elegant,” while Detroit News’ reviewer enjoyed the cabin’s “upscale ambiance.” Car and Driver magazine notes that the CTS’ cabin keeps engine and road noise to a minimum.

In general, critics are impressed with the way this Cadillac’s interior blends classic elements with modern technologies like ambient LED lighting and a navigation system with a 40-gigabyte hard drive.

If the 2011 Cadillac CTS sounds like the vehicle for you, read on to find out how it measures up to competitors in terms of overall ownership costs, including auto insurance rates.

How much is auto insurance for the Cadillac CTS?

Based on research from Edmunds, auto insurance rates for the 2011 Cadillac CTS are fairly high compared to those of its competitors. At almost $2,000 per year, the CTS is more expensive to insure than the Infiniti G sedan or the Mercedes C Class, both of which cost owners approximately $1,800 per year.

Auto insurance rates for the Volkswagen Eos convertible, the BMW 3 Series, and the Audi A5 are lower as well, at just over $1,700 annually.

Cadillac CTS Repair Expenses

Even though the Cadillac CTS is one of the more expensive midsize sedans to insure, it has lower average repair costs than many of its competitors, according to Edmunds.

At just under $2,000 over five years, the only top-ranked upscale midsize car with lower estimated repair costs is the Infiniti G, with expected repair expenses of just over $1,000.

The BMW 3 Series and the Mercedes C Class will both cost owners roughly $2,611 in repair bills over five years. Anticipated 5-year repair costs for the Audi A5 are also higher than the CTS’, at about $2,333.

Cadillac CTS Maintenance Costs

Just as it has below-average repair expenses, scheduled maintenance costs for the Cadillac CTS are also lower than average. Along with the Volkswagen Eos and the 3 Series BMW, the 2011 CTS will cost less than $4,000 to maintain during the first five years that it is on the road.

Some of the highest maintenance costs in the upscale midsize car category belong to the Mercedes C Class sedan and the Infiniti G.

Edmunds expects that these sedans will cost roughly $6,000 to maintain for five years. Scheduled maintenance for the Audi A5 will cost the average driver about $5,533, reports Edmunds.

Fuel Economy for the Cadillac CTS

The 2011 CTS is a great value in terms of scheduled maintenance costs and repair expenses, but its downfall is its fuel economy. The EPA estimates that the CTS gets just 16 city miles per gallon and 26 highway miles per gallon, putting it squarely in last place among all upscale sedans.

The three hybrids in this category, the Lexus HS, the Chevy Volt and the Lincoln MKZ, offer the best fuel economy, but they can’t compete with the CTS when it comes to performance or looks.

The Audi A4 offers the best city mileage in this class, at 23 mpg, and the Volkswagen CC, Volkswagen Eos and Audi A5 all offer stellar highway mileage, at 31 mpg.

Cadillac CTS Safety Ratings and Features

With the exception of its gas mileage, reviewers say that the CTS is an all-around solid car, and it doesn’t disappoint in the safety category, either. The Insurance Institute for Highway Safety (IIHS) designated the 2011 Cadillac CTS a “Top Safety Pick” for the 2011 model year.

Only a few other cars in U.S. News’ upscale midsize car category earned this distinction, including the #1-ranked Buick Regal, the Audi A4, the Volkswagen CC, and the Mercedes C Class.

In order to earn this distinction, these sedans had to achieve the IIHS’ highest possible scores on rear, frontal offset, and lateral impact collision tests.

They also had to achieve the highest available score in roof strength testing, and include a dynamic stability control system as standard equipment on all models.

The National Highway Traffic Safety Administration (NHTSA) has only conducted one test on the CTS so far. On this rollover resistance test, the CTS earned four out of the five available stars. This means that its probability of rolling over during an evasive maneuver is less than 20 percent.

In addition to its standard dynamic stability control, which is provided through GM’s signature Stabilitrak system, the Cadillac CTS also features the proprietary GM OnStar system.

OnStar helps authorities locate the vehicle if it is stolen and, even more important from a safety perspective, it can contact emergency personnel when a crash occurs.

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