Cadillac CT4 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Cadillac CT4 are $1,330 a year for full coverage. Comprehensive costs on average $336, collision costs $592, and liability coverage is estimated at $292. A policy with only liability insurance costs approximately $336 a year, with a high-risk policy costing around $2,866. Teen drivers pay the most at $4,694 a year or more.

Average premium for full coverage: $1,330

Premium estimates by type of coverage:

Comprehensive $336
Collision $592
Liability $292

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all CT4 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Cadillac CT4 go from as low as $336 for a discount liability-only rate to the much higher price of $2,866 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

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

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

These rate differences show why everyone should get quotes based on a specific location and risk profile, rather than 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.

Rates by State, City, and Model

The chart below shows estimated Cadillac CT4 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $745
  • Choosing higher $1,000 deductibles can save around $210 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,330
  • Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,740
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,866 or more
  • An auto insurance policy for full coverage for a teenage 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 rates range from $745 to $4,694

Car insurance prices for a Cadillac CT4 also have a wide range based on your driving characteristics, the trim level of your CT4, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Cadillac CT4 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $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

Choosing high deductibles can save as much as $620 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $263 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,100 extra annually, depending on your age. Cadillac CT4 insurance for high-risk drivers ranges around 45% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

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 Find Low Cost Cadillac CT4 Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a review of the ideas that were illustrated above.

  • Drivers under the age of 20 are expensive to insure, as much as $391 per month if full coverage is included
  • Drivers who have several accidents or serious violations will pay on average $1,540 more each year to insure a Cadillac CT4
  • Increasing policy deductibles can save around $625 each year
  • Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date

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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