Cadillac CT4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Cadillac CT4 are $1,330 every 12 months with full coverage. Comprehensive insurance costs around $336, collision insurance costs $592, and liability is $292. A policy with just liability insurance costs around $336 a year, and coverage for high-risk drivers costs $2,866 or more. Teen drivers receive the highest rates at up to $4,694 a year.
Average premium for full coverage: $1,330
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all CT4 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $336 for basic liability insurance to the much higher price of $2,866 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of 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.
Rate Comparisons
The chart below details average Cadillac CT4 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $745
- Raising to $1,000 deductibles will save about $210 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,330
- Choosing pricier low deductibles costs an extra $410 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,866
- The cost to insure a teen driver for full coverage can be $4,694
Insurance rates for a Cadillac CT4 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles can reduce rates by up to $620 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $263 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,600 to $2,100 additional per year, depending on your age. Cadillac CT4 insurance for high-risk drivers is expensive and can cost as much as 45% to 135% more than average. View High Risk Driver Rates
Where you live also has a big influence on Cadillac CT4 insurance prices. A middle-age driver might find rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or as much as $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 Shop for the Best Cadillac CT4 Insurance
Saving money on car insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief recap of the material that was covered in the charts and tables above.
- Policyholders who may need an increased level of liability coverage will pay about $320 every year to raise from a minimum limit to a 250/500 level
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $391 per month if full coverage is included
- Higher risk drivers who tend to receive serious violations pay on average $1,540 more every year than a safer driver
- Increasing deductibles could save as much as $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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