Cadillac CT4 Insurance Rates

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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 on average $336, collision costs $592, and liability insurance is estimated at $292. A policy with just liability insurance costs approximately $336 a year, with coverage for high-risk drivers costing $2,866 or more. Teenage drivers receive the highest rates at $4,694 a year or more.

Average premium for full coverage: $1,330

Rate estimates by individual coverage type:

Comprehensive $336
Collision $592
Liability $292

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all CT4 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $336 for liability-only coverage to the much higher price of $2,866 for a high-risk driver policy.

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

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

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

These examples demonstrate why everyone should get quotes based on a specific location and their own driving history, rather than relying on average rates.

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 estimated Cadillac CT4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $745
  • Choosing higher $1,000 deductibles can save around $210 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,330
  • Using pricier low deductibles for comp and collision coverage costs an extra $410 a year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,866 or more
  • The cost to insure a teen driver for full coverage may cost $4,694 each year

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing full coverage Cadillac CT4 insurance prices range from $745 to $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 of your CT4.

Using high physical damage deductibles can save as much as $620 each year, whereas buying more liability protection will cost you more. 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 could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $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 a minimum $1,600 to $2,100 additional per year, depending on your age. Cadillac CT4 insurance for high-risk drivers ranges anywhere from 45% to 135% more than a normal policy. View High Risk Driver Rates

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 $960 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,790 on average in Florida, Michigan, and New York.

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

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

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 Shop for Cheaper Cadillac CT4 Insurance

Saving money on Cadillac CT4 insurance takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the information illustrated above.

  • You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Youthful drivers pay higher rates, with premiums as much as $391 per month if full coverage is included
  • Increasing deductibles could save as much as $625 each year
  • High-risk drivers with multiple at-fault accidents may pay on average $1,540 more each year than a low-risk driver
  • Drivers who require more liability protection will pay an extra $320 every year to raise limits from a minimum limit to a 250/500 level

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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