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 for full coverage. Comprehensive costs around $336 each year, collision insurance costs $592, and liability insurance costs around $292. Buying just liability costs as low as $336 a year, and insurance for high-risk drivers costs around $2,866. Teens receive the highest rates at up to $4,694 a year.

Average premium for full coverage: $1,330

Rate estimates for individual coverage type:

Comprehensive $336
Collision $592
Liability $292

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and CT4 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the cheapest price of $336 for minimum levels of liability insurance to a high rate of $2,866 for a high-risk driver policy.

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

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.

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

These examples show why all drivers should compare prices for a specific zip code and their own driving history, 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 Rate Details

The chart below shows average Cadillac CT4 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $745
  • Using higher $1,000 deductibles will save about $210 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,330
  • Selecting low deductibles for physical damage coverage increases the price to $1,740
  • Drivers with serious driving violations could pay at least $2,866
  • The cost to insure a teen driver can be $4,694 or more

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing Cadillac CT4 insurance rates range from $745 to $4,694 for full coverage

Auto insurance rates for a Cadillac CT4 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $620 each year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $263 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have 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 could be paying at least $1,600 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 135% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Cadillac CT4 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,900 on average in Michigan, Louisiana, 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
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 the Right Cadillac CT4 Insurance

Saving money on Cadillac CT4 insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick rundown of the information touched on in the above illustrations.

  • Drivers can save up to $170 per year just by quoting online in advance
  • Teen drivers are expensive to insure, costing as high as $391 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save as much as $625 each year
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,540 more every year to insure their CT4
  • Drivers who may need more liability coverage will pay approximately $320 each year to increase 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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