Cadillac CT4 Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Cadillac CT4 are $1,362 every 12 months with full coverage. Comprehensive insurance costs around $356, collision insurance costs $612, and liability coverage is $284. Buying just liability costs around $328 a year, and insurance for high-risk drivers costs $2,930 or more. Teenage drivers receive the highest rates at up to $4,766 a year.

Average premium for full coverage: $1,362

Rate estimates for individual coverage type:

Comprehensive $356
Collision $612
Liability $284

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different CT4 trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $328 for just liability insurance to a much higher rate of $2,930 for a driver required to buy high-risk insurance.

Liability Only $328
Full Coverage $1,362
High Risk $2,930

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,022
Small Cities $1,430
Large Cities $1,839

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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 Details

The chart below details average Cadillac CT4 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $766
  • Raising to $1,000 deductibles will save about $220 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,362
  • Using more expensive low deductibles costs an extra $428 each year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,930
  • The cost to insure a teenage driver with full coverage can be $4,766

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing Cadillac CT4 insurance prices range from $766 to $4,766 for full coverage

Auto insurance rates for a Cadillac CT4 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $650 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $255 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,700 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 least $1,600 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Cadillac CT4 insurance rates. A middle-age driver might find rates as low as $980 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,840 on average in Florida, Michigan, and New York.

Cadillac CT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,232 -$130 -9.5%
Alaska $1,044 -$318 -23.3%
Arizona $1,132 -$230 -16.9%
Arkansas $1,362 -$0 0.0%
California $1,550 $188 13.8%
Colorado $1,300 -$62 -4.6%
Connecticut $1,400 $38 2.8%
Delaware $1,540 $178 13.1%
Florida $1,700 $338 24.8%
Georgia $1,258 -$104 -7.6%
Hawaii $980 -$382 -28.0%
Idaho $924 -$438 -32.2%
Illinois $1,016 -$346 -25.4%
Indiana $1,026 -$336 -24.7%
Iowa $920 -$442 -32.5%
Kansas $1,294 -$68 -5.0%
Kentucky $1,856 $494 36.3%
Louisiana $2,018 $656 48.2%
Maine $838 -$524 -38.5%
Maryland $1,124 -$238 -17.5%
Massachusetts $1,086 -$276 -20.3%
Michigan $2,364 $1,002 73.6%
Minnesota $1,142 -$220 -16.2%
Mississippi $1,632 $270 19.8%
Missouri $1,208 -$154 -11.3%
Montana $1,462 $100 7.3%
Nebraska $1,072 -$290 -21.3%
Nevada $1,632 $270 19.8%
New Hampshire $982 -$380 -27.9%
New Jersey $1,520 $158 11.6%
New Mexico $1,204 -$158 -11.6%
New York $1,434 $72 5.3%
North Carolina $782 -$580 -42.6%
North Dakota $1,116 -$246 -18.1%
Ohio $940 -$422 -31.0%
Oklahoma $1,396 $34 2.5%
Oregon $1,250 -$112 -8.2%
Pennsylvania $1,298 -$64 -4.7%
Rhode Island $1,816 $454 33.3%
South Carolina $1,234 -$128 -9.4%
South Dakota $1,150 -$212 -15.6%
Tennessee $1,192 -$170 -12.5%
Texas $1,640 $278 20.4%
Utah $1,010 -$352 -25.8%
Vermont $930 -$432 -31.7%
Virginia $818 -$544 -39.9%
Washington $1,050 -$312 -22.9%
West Virginia $1,250 -$112 -8.2%
Wisconsin $942 -$420 -30.8%
Wyoming $1,210 -$152 -11.2%

View Chart as Image

Cadillac CT4 insurance rates by U.S. city
Cadillac CT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT4 $398 $660 $258 $1,426
2023 Cadillac CT4 $382 $656 $264 $1,412
2022 Cadillac CT4 $368 $640 $274 $1,392
2021 Cadillac CT4 $356 $612 $284 $1,362
2020 Cadillac CT4 $336 $592 $292 $1,330

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 Low Cost Cadillac CT4 Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a review of the data presented in the illustrations above.

  • Consumers who may need higher levels of liability will pay an extra $310 every year to raise from a minimum limit to a 250/500 level
  • You may be able to save up to $170 per year just by shopping early and online
  • Increasing deductibles could save as much as $650 each year
  • Teenage drivers are expensive to insure, with premiums as much as $397 per month if comprehensive and collision insurance is included

Rates by Driver Age

Cadillac CT4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,766
20 $3,102
30 $1,442
40 $1,362
50 $1,240
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,790
$250 $1,592
$500 $1,362
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,362
50/100 $1,419
100/300 $1,490
250/500 $1,674
100 CSL $1,447
300 CSL $1,603
500 CSL $1,717

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,864
20 $4,938
30 $3,016
40 $2,930
50 $2,792
60 $2,764

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 $190

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $69
Homeowner $18
5-yr Accident Free $107
5-yr Claim Free $89
Paid in Full/EFT $68
Advance Quote $70
Online Quote $100
Total Discounts $596
Rate after discounts $766

Discounts are estimated and may not be available from every company or in every state.

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