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 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:
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.
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.
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
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.
| 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% |
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.
| 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
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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