Cadillac CT4 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac CT4 are $1,362 a year for full coverage insurance. Comprehensive insurance costs approximately $356, collision insurance costs $612, and liability coverage costs $284. Liability-only insurance costs as little as $328 a year, and high-risk driver insurance costs $2,930 or more. 16-year-old drivers pay the highest rates at up to $4,766 a year.

Average premium for full coverage: $1,362

Price estimates by individual coverage:

Comprehensive $356
Collision $612
Liability $284

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different CT4 trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac CT4 insurance prices range from the low end price of $328 for the bare minimum liability coverage to a much higher rate of $2,930 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location, rather than using rate averages.

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 Rate Information

The chart below illustrates average Cadillac CT4 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $766
  • Drivers who choose higher $1,000 deductibles will pay $220 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,362
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $428 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,930
  • The price that insures a teenage driver with full coverage can cost $4,766 a year

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

Car insurance prices for a Cadillac CT4 are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost around 44% to 132% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

The state you live in makes a big difference in Cadillac CT4 insurance rates. A 40-year-old driver could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,840 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles could save up to $650 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $255 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Affordable Cadillac CT4 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a brief review of the concepts that were touched on in the above illustrations.

  • Drivers with DUI or reckless driving convictions could be charged and average of $1,570 more per year for car insurance
  • Teenagers pay the highest auto insurance prices, as much as $397 a month if full coverage is purchased
  • It is possible to save around $170 per year just by shopping early and online
  • Increasing physical damage deductibles can save approximately $650 each year
  • It is possible to save around $170 per year just by shopping early and online

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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