Cadillac CT4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac CT4 are $1,362 annually for full coverage. Comprehensive costs on average $356 a year, collision insurance costs $612, and liability coverage is estimated at $284. Liability-only coverage costs approximately $328 a year, and high-risk coverage costs around $2,930. Teen drivers receive the highest rates at up to $4,766 a year.
Average premium for full coverage: $1,362
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and CT4 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $328 for a discount liability-only rate to a high of $2,930 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on car insurance rates.
These examples show why it is important to get quotes based on a specific location and their own personal driving habits, rather than using price averages.
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.
Rates by State, City, and Model
The chart below shows average Cadillac CT4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $766
- Choosing higher $1,000 deductibles can save around $1,142 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,362
- Choosing low $100 deductibles for comp and collision coverage will cost $1,790
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,930
- The cost with full coverage for a teenage driver may cost $4,766 each year
Car insurance rates for a Cadillac CT4 can also vary considerably based on the trim level of your CT4, your driver profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $650 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $255 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac CT4 insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,940 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,232 | -$130 | -9.5% |
| Alaska | $1,044 | -$318 | -23.3% |
| Arizona | $1,132 | -$230 | -16.9% |
| Arkansas | $1,362 | -$0 | 0.0% |
| California | $1,550 | $188 | 13.8% |
| Colorado | $1,300 | -$62 | -4.6% |
| Connecticut | $1,400 | $38 | 2.8% |
| Delaware | $1,540 | $178 | 13.1% |
| Florida | $1,700 | $338 | 24.8% |
| Georgia | $1,258 | -$104 | -7.6% |
| Hawaii | $980 | -$382 | -28.0% |
| Idaho | $924 | -$438 | -32.2% |
| Illinois | $1,016 | -$346 | -25.4% |
| Indiana | $1,026 | -$336 | -24.7% |
| Iowa | $920 | -$442 | -32.5% |
| Kansas | $1,294 | -$68 | -5.0% |
| Kentucky | $1,856 | $494 | 36.3% |
| Louisiana | $2,018 | $656 | 48.2% |
| Maine | $838 | -$524 | -38.5% |
| Maryland | $1,124 | -$238 | -17.5% |
| Massachusetts | $1,086 | -$276 | -20.3% |
| Michigan | $2,364 | $1,002 | 73.6% |
| Minnesota | $1,142 | -$220 | -16.2% |
| Mississippi | $1,632 | $270 | 19.8% |
| Missouri | $1,208 | -$154 | -11.3% |
| Montana | $1,462 | $100 | 7.3% |
| Nebraska | $1,072 | -$290 | -21.3% |
| Nevada | $1,632 | $270 | 19.8% |
| New Hampshire | $982 | -$380 | -27.9% |
| New Jersey | $1,520 | $158 | 11.6% |
| New Mexico | $1,204 | -$158 | -11.6% |
| New York | $1,434 | $72 | 5.3% |
| North Carolina | $782 | -$580 | -42.6% |
| North Dakota | $1,116 | -$246 | -18.1% |
| Ohio | $940 | -$422 | -31.0% |
| Oklahoma | $1,396 | $34 | 2.5% |
| Oregon | $1,250 | -$112 | -8.2% |
| Pennsylvania | $1,298 | -$64 | -4.7% |
| Rhode Island | $1,816 | $454 | 33.3% |
| South Carolina | $1,234 | -$128 | -9.4% |
| South Dakota | $1,150 | -$212 | -15.6% |
| Tennessee | $1,192 | -$170 | -12.5% |
| Texas | $1,640 | $278 | 20.4% |
| Utah | $1,010 | -$352 | -25.8% |
| Vermont | $930 | -$432 | -31.7% |
| Virginia | $818 | -$544 | -39.9% |
| Washington | $1,050 | -$312 | -22.9% |
| West Virginia | $1,250 | -$112 | -8.2% |
| Wisconsin | $942 | -$420 | -30.8% |
| Wyoming | $1,210 | -$152 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT4 | $398 | $660 | $258 | $1,426 |
| 2023 Cadillac CT4 | $382 | $656 | $264 | $1,412 |
| 2022 Cadillac CT4 | $368 | $640 | $274 | $1,392 |
| 2021 Cadillac CT4 | $356 | $612 | $284 | $1,362 |
| 2020 Cadillac CT4 | $336 | $592 | $292 | $1,330 |
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 the Right Cadillac CT4 Insurance
Saving money on auto insurance takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The points below are a quick rundown of the ideas that were covered in the above illustrations.
- Drivers under the age of 20 are expensive to insure, costing as high as $397 per month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions may be required to pay an average of $1,570 more each year to insure a Cadillac CT4
- Increasing deductibles could save up to $650 each year
- Drivers can save as much as $170 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,766 |
| 20 | $3,102 |
| 30 | $1,442 |
| 40 | $1,362 |
| 50 | $1,240 |
| 60 | $1,216 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,592 |
| $500 | $1,362 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,362 |
| 50/100 | $1,419 |
| 100/300 | $1,490 |
| 250/500 | $1,674 |
| 100 CSL | $1,447 |
| 300 CSL | $1,603 |
| 500 CSL | $1,717 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,864 |
| 20 | $4,938 |
| 30 | $3,016 |
| 40 | $2,930 |
| 50 | $2,792 |
| 60 | $2,764 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $69 |
| Homeowner | $18 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $68 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $596 |
Discounts are estimated and may not be available from every company or in every state.
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