Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac CT4 are $1,330 annually for full coverage. Comprehensive insurance costs around $336 each year, collision costs $592, and liability costs $292. Liability-only coverage costs as little as $336 a year, with high-risk coverage costing $2,866 or more. 16-year-old drivers cost the most to insure at $4,694 a year or more.
Average premium for full coverage: $1,330
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and CT4 models.
Price Range Variability
For a driver around age 40, Cadillac CT4 insurance rates go from as cheap as $336 for just liability insurance to a high rate of $2,866 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on rate 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.
More Rate Details
The chart below shows estimated Cadillac CT4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $745
- Drivers who choose higher $1,000 deductibles will pay about $210 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,330
- Buying low deductibles for comprehensive and collision insurance costs an additional $410 annually
- Drivers with multiple tickets or accidents could pay at least $2,866 or more
- Policy cost with full coverage for a 16-year-old driver can be $4,694 a year
Insurance rates for a Cadillac CT4 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,600 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $620 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $263 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac CT4 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or at least $1,900 on average in Michigan, Louisiana, 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% |
Because rates have so much variability, the only way to know your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and rates will be varied between companies.
| 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 More Affordable Cadillac CT4 Insurance
Finding cheaper rates on insurance for a Cadillac CT4 not only requires being a safe and courteous driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a summary of the material that was covered above.
- Insureds who may need higher levels of liability will pay around $320 each year to go from a 30/60 limit to higher 250/500 limits
- Teenage drivers are charged the highest rates, costing up to $391 each month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,540 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $625 each year
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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