Cadillac CT4 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Cadillac CT4 are $1,330 annually for full coverage. Comprehensive costs approximately $336, collision insurance costs $592, and liability coverage costs around $292. A policy with only liability insurance costs as low as $336 a year, and a high-risk policy costs around $2,866. Teens pay the most at up to $4,694 a year.

Average premium for full coverage: $1,330

Premium estimates by type of coverage:

Comprehensive $336
Collision $592
Liability $292

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different CT4 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Cadillac CT4 range from as cheap as $336 for just liability insurance to a much higher rate of $2,866 for a driver who requires high-risk insurance.

Liability Only $336
Full Coverage $1,330
High Risk $2,866

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $998
Small Cities $1,397
Large Cities $1,796

These rate differences show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below shows average Cadillac CT4 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $745
  • Using higher $1,000 deductibles will save $210 a year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,330
  • Selecting more expensive low deductibles for physical damage coverage will cost $1,740
  • Higher-risk drivers with serious driving violations could pay around $2,866
  • An auto insurance policy with full coverage for a teenage driver with full coverage can cost $4,694 or more

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing Cadillac CT4 insurance rates range from $745 to $4,694 for full coverage

Car insurance prices for a Cadillac CT4 also have a wide range based on the model of your CT4, your driver profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 45% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $620 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $263 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Cadillac CT4 insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,900 on average in New York, Louisiana, and Michigan.

Cadillac CT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,202 -$128 -9.6%
Alaska $1,020 -$310 -23.3%
Arizona $1,104 -$226 -17.0%
Arkansas $1,330 -$0 0.0%
California $1,514 $184 13.8%
Colorado $1,268 -$62 -4.7%
Connecticut $1,366 $36 2.7%
Delaware $1,504 $174 13.1%
Florida $1,660 $330 24.8%
Georgia $1,228 -$102 -7.7%
Hawaii $956 -$374 -28.1%
Idaho $900 -$430 -32.3%
Illinois $990 -$340 -25.6%
Indiana $1,002 -$328 -24.7%
Iowa $900 -$430 -32.3%
Kansas $1,264 -$66 -5.0%
Kentucky $1,812 $482 36.2%
Louisiana $1,968 $638 48.0%
Maine $818 -$512 -38.5%
Maryland $1,096 -$234 -17.6%
Massachusetts $1,060 -$270 -20.3%
Michigan $2,310 $980 73.7%
Minnesota $1,114 -$216 -16.2%
Mississippi $1,594 $264 19.8%
Missouri $1,180 -$150 -11.3%
Montana $1,430 $100 7.5%
Nebraska $1,048 -$282 -21.2%
Nevada $1,596 $266 20.0%
New Hampshire $958 -$372 -28.0%
New Jersey $1,484 $154 11.6%
New Mexico $1,176 -$154 -11.6%
New York $1,400 $70 5.3%
North Carolina $764 -$566 -42.6%
North Dakota $1,088 -$242 -18.2%
Ohio $918 -$412 -31.0%
Oklahoma $1,364 $34 2.6%
Oregon $1,220 -$110 -8.3%
Pennsylvania $1,266 -$64 -4.8%
Rhode Island $1,772 $442 33.2%
South Carolina $1,204 -$126 -9.5%
South Dakota $1,122 -$208 -15.6%
Tennessee $1,164 -$166 -12.5%
Texas $1,602 $272 20.5%
Utah $986 -$344 -25.9%
Vermont $908 -$422 -31.7%
Virginia $798 -$532 -40.0%
Washington $1,026 -$304 -22.9%
West Virginia $1,220 -$110 -8.3%
Wisconsin $920 -$410 -30.8%
Wyoming $1,182 -$148 -11.1%

View Chart as Image

Cadillac CT4 insurance rates by U.S. city
Cadillac CT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT4 $382 $656 $264 $1,412
2023 Cadillac CT4 $368 $640 $274 $1,392
2022 Cadillac CT4 $356 $612 $284 $1,362
2021 Cadillac CT4 $336 $592 $292 $1,330
2020 Cadillac CT4 $324 $548 $298 $1,280

Rates are averaged for all Cadillac CT4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Cadillac CT4 Insurance

Finding better rates on auto insurance requires being safe and accident-free, having a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a condensed summary of the concepts that were raised in the charts and tables above.

  • Drivers with multiple at-fault accidents pay on average $1,540 more per year than a low-risk driver
  • Youthful drivers pay the highest auto insurance prices, as much as $391 per month if comprehensive and collision insurance is included
  • Drivers can save around $170 per year just by shopping early and online
  • Increasing policy deductibles could save up to $625 each year
  • Drivers can save around $170 per year just by shopping early and online

Rates by Driver Age

Cadillac CT4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,694
20 $3,038
30 $1,406
40 $1,330
50 $1,210
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,740
$250 $1,550
$500 $1,330
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,330
50/100 $1,388
100/300 $1,461
250/500 $1,651
100 CSL $1,418
300 CSL $1,578
500 CSL $1,695

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,756
20 $4,836
30 $2,948
40 $2,866
50 $2,730
60 $2,704

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $68
Homeowner $18
5-yr Accident Free $105
5-yr Claim Free $88
Paid in Full/EFT $66
Advance Quote $69
Online Quote $98
Total Discounts $585
Rate after discounts $745

Discounts are estimated and may not be available from every company or in every state.

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