Cadillac CT4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac CT4 are $1,330 a year including full coverage. Comprehensive insurance costs approximately $336, collision insurance costs $592, and liability coverage is $292. Liability-only coverage costs around $336 a year, and high-risk coverage costs $2,866 or more. Teenage drivers pay the most at up to $4,694 a year.
Average premium for full coverage: $1,330
Premium estimates by type of coverage:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all CT4 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac CT4 range from as low as $336 for your basic liability-only policy to the much higher price of $2,866 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why everyone should compare rates quotes using their specific location and risk profile, rather than using 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.
More Rate Information
The chart below breaks down average Cadillac CT4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $745
- Raising to $1,000 deductibles will save $210 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,330
- Using pricier low deductibles will cost an extra $410 each year
- Unlucky drivers who are prone to accidents and violations could pay around $2,866
- An auto insurance policy for full coverage for a teenage driver for full coverage can cost $4,694
Insurance prices for a Cadillac CT4 also have a wide range based on your driving characteristics, the model of your CT4, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac CT4 insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $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% |
Using high physical damage deductibles can reduce prices by up to $620 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $263 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,100 extra annually, depending on your age. Cadillac CT4 insurance for high-risk drivers is expensive and can cost around 45% to 135% more than a normal policy. View High Risk Driver Rates
| 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 Cheap Cadillac CT4 Insurance
Finding better rates on auto insurance consists of having a decent driving record, maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a brief summary of the information covered above.
- You may be able to save around $170 per year just by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $391 per month for full coverage
- Increasing policy deductibles can save around $625 each year
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,540 more per year than a driver with a clean driving record
- Consumers who purchase additional liability coverage will pay an extra $320 per year to raise from 30/60 bodily injury limits 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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