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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac CT4 are $1,330 every 12 months for full coverage insurance. Comprehensive insurance costs on average $336, collision costs $592, and liability insurance is estimated at $292. Liability-only insurance costs approximately $336 a year, with high-risk driver insurance costing $2,866 or more. Teens pay the most at $4,694 a year or more.
Average premium for full coverage: $1,330
Premium estimates by type of coverage:
Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different CT4 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac CT4 go from the cheapest price of $336 for just liability coverage to a much higher rate of $2,866 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location 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.
Detailed Rate Analysis
The chart below illustrates estimated Cadillac CT4 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $745
- Choosing higher $1,000 deductibles can save around $210 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,330
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $410 a year
- High-risk insureds with serious driving violations could pay upwards of $2,866 or more
- An auto insurance policy to insure a teen driver with full coverage may cost $4,694 each year
Insurance prices for a Cadillac CT4 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your CT4.
Choosing higher comprehensive and collision insurance deductibles can save as much as $620 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $263 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,100 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 135% more than the average policy. View High Risk Driver Rates
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 $870 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,790 on average in Michigan, New York, and Florida.
| 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 such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, and prices will be substantially 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 the Best Cheap Cadillac CT4 Insurance
Finding better rates on Cadillac CT4 insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates at every other renewal by requesting rates from direct insurance companies, and also from several local insurance agents.
The following is a quick review of the concepts that were touched on in this article.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,540 more each year for CT4 insurance
- Teens pay higher prices, with premiums being up to $391 per month if full coverage is included
- It is possible to save as much as $170 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $625 each year
- It is possible to save as much as $170 per year simply by shopping early and online
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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