Cadillac CT4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac CT4 are $1,330 a year including full coverage. Comprehensive costs approximately $336, collision costs $592, and liability costs $292. Liability-only coverage costs as little as $336 a year, with high-risk coverage costing around $2,866. Teens receive the highest rates at $4,694 a year or more.
Average premium for full coverage: $1,330
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different CT4 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $336 for just liability coverage to a much higher rate of $2,866 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based 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.
Detailed Rate Analysis
The chart below breaks down estimated Cadillac CT4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $745
- Drivers who choose higher $1,000 deductibles will pay $210 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,330
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,740
- Drivers with serious driving violations could pay around $2,866 or more
- The cost for full coverage for a 16-year-old driver with full coverage can cost $4,694 a year
Car insurance rates for a Cadillac CT4 can also vary considerably based on your driver profile, the model of your CT4, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age
Where you live makes a big difference in Cadillac CT4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,900 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $620 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $263 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,100 extra per year, depending on your age. High-risk driver insurance can cost from 45% to 135% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.
| 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
Saving money on insurance for a Cadillac CT4 not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
Below is a review of the information presented in the illustrations above.
- You may be able to save around $170 per year simply by shopping early and online
- Teenage drivers pay the highest auto insurance rates, as much as $391 per month if full coverage is included
- Increasing deductibles can save around $625 each year
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,540 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay approximately $320 per year to go from a minimum limit to 250/500 limits
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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