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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac CT4 are $1,330 annually with full coverage. Comprehensive costs on average $336, collision insurance costs $592, and liability insurance is estimated at $292. Liability-only coverage costs approximately $336 a year, and high-risk coverage costs around $2,866. Teens pay the highest rates at up to $4,694 a year.
Average premium for full coverage: $1,330
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all CT4 models.
Price Range from Low to High
For the average driver, Cadillac CT4 insurance prices range from as cheap as $336 for liability-only coverage to the much higher price of $2,866 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.
The ranges above demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on 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.
Additional Charts and Tables
The chart below details average Cadillac CT4 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $745
- Choosing higher $1,000 deductibles can save around $210 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,330
- Selecting pricier low deductibles for comp and collision coverage will cost $1,740
- High-risk insureds with serious driving violations could pay upwards of $2,866
- The price with full coverage for a teen driver for full coverage may cost $4,694 each year
Auto insurance prices for a Cadillac CT4 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,100 in extra premium each year, depending on your age. Cadillac CT4 insurance for high-risk drivers ranges anywhere from 45% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $620 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $263 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Cadillac CT4 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,790 on average in Florida, Michigan, and New York.
| 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% |
| 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 the Right Cadillac CT4 Insurance
Getting lower rates on Cadillac CT4 insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a quick rundown of the information touched on above.
- You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
- Teenage drivers are charged the highest prices, costing up to $391 a month if full coverage is included
- Increasing physical damage deductibles could save up to $625 each year
- High-risk drivers with reckless driving or DUI convictions pay an average of $1,540 more each year for auto insurance
- Drivers who require higher levels of liability will pay approximately $320 every year to raise limits from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,740 |
| $250 | $1,550 |
| $500 | $1,330 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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