Cadillac XT4 Insurance Rates

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UPDATED: Apr 8, 2024

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Estimated insurance rates for a Cadillac XT4 are $1,326 a year for full coverage. Comprehensive insurance costs around $282, collision insurance costs $524, and liability insurance costs around $384. A policy with only liability insurance costs as low as $432 a year, and a high-risk policy costs $2,876 or more. Teenage drivers pay the most at up to $4,920 a year.

Average premium for full coverage: $1,326

Premium estimates for type of coverage:

Comprehensive $282
Collision $524
Liability $384

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different XT4 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Cadillac XT4 range from the low end price of $432 for your basic liability-only policy to a much higher rate of $2,876 for a driver who has had serious violations or accidents.

Liability Only $432
Full Coverage $1,326
High Risk $2,876

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $995
Small Cities $1,392
Large Cities $1,790

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, 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.

More Rate Information

The chart below shows average Cadillac XT4 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $754
  • Using higher $1,000 deductibles will save about $184 a year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,326
  • Using more expensive low deductibles for physical damage coverage will cost an additional $356 a year
  • Drivers who are prone to accidents and violations could pay at least $2,876
  • An auto insurance policy that insures a teen driver with full coverage can be $4,920 or more

View Chart as Image

Cadillac XT4 insurance cost comparison chart
Column chart showing Cadillac XT4 insurance prices range from $754 to $4,920 for full coverage

Car insurance prices for a Cadillac XT4 also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be anywhere from 45% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Cadillac XT4 insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,890 on average in Michigan, Louisiana, and New York.

Cadillac XT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$130 -9.8%
Alaska $1,016 -$310 -23.4%
Arizona $1,098 -$228 -17.2%
Arkansas $1,326 -$0 0.0%
California $1,510 $184 13.9%
Colorado $1,262 -$64 -4.8%
Connecticut $1,358 $32 2.4%
Delaware $1,496 $170 12.8%
Florida $1,654 $328 24.7%
Georgia $1,224 -$102 -7.7%
Hawaii $952 -$374 -28.2%
Idaho $896 -$430 -32.4%
Illinois $986 -$340 -25.6%
Indiana $1,000 -$326 -24.6%
Iowa $894 -$432 -32.6%
Kansas $1,256 -$70 -5.3%
Kentucky $1,806 $480 36.2%
Louisiana $1,960 $634 47.8%
Maine $818 -$508 -38.3%
Maryland $1,092 -$234 -17.6%
Massachusetts $1,054 -$272 -20.5%
Michigan $2,298 $972 73.3%
Minnesota $1,110 -$216 -16.3%
Mississippi $1,586 $260 19.6%
Missouri $1,176 -$150 -11.3%
Montana $1,422 $96 7.2%
Nebraska $1,042 -$284 -21.4%
Nevada $1,588 $262 19.8%
New Hampshire $954 -$372 -28.1%
New Jersey $1,480 $154 11.6%
New Mexico $1,172 -$154 -11.6%
New York $1,394 $68 5.1%
North Carolina $762 -$564 -42.5%
North Dakota $1,084 -$242 -18.3%
Ohio $912 -$414 -31.2%
Oklahoma $1,358 $32 2.4%
Oregon $1,214 -$112 -8.4%
Pennsylvania $1,262 -$64 -4.8%
Rhode Island $1,764 $438 33.0%
South Carolina $1,200 -$126 -9.5%
South Dakota $1,118 -$208 -15.7%
Tennessee $1,158 -$168 -12.7%
Texas $1,596 $270 20.4%
Utah $980 -$346 -26.1%
Vermont $904 -$422 -31.8%
Virginia $792 -$534 -40.3%
Washington $1,022 -$304 -22.9%
West Virginia $1,214 -$112 -8.4%
Wisconsin $914 -$412 -31.1%
Wyoming $1,178 -$148 -11.2%

View Chart as Image

Cadillac XT4 insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Cadillac XT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac XT4 $332 $626 $338 $1,432
2023 Cadillac XT4 $320 $610 $354 $1,420
2022 Cadillac XT4 $310 $586 $364 $1,396
2021 Cadillac XT4 $292 $564 $376 $1,368
2020 Cadillac XT4 $282 $524 $384 $1,326
2019 Cadillac XT4 $270 $494 $388 $1,288

Rates are averaged for all Cadillac XT4 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 Cheaper Cadillac XT4 Insurance

Finding better rates on Cadillac XT4 insurance requires being a good driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The following list is a condensed summary of the ideas that were covered in the charts and tables above.

  • Drivers age 16 to 20 are the costliest to insure, as much as $410 per month if full coverage is purchased
  • High-risk drivers with multiple at-fault accidents pay on average $1,550 more every year than a safer driver
  • Increasing policy deductibles can save approximately $550 each year
  • Drivers can save up to $160 per year just by shopping early and online

Rates by Driver Age

Cadillac XT4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,920
20 $3,062
30 $1,382
40 $1,326
50 $1,210
60 $1,188

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,682
$250 $1,516
$500 $1,326
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,326
50/100 $1,403
100/300 $1,499
250/500 $1,748
100 CSL $1,441
300 CSL $1,652
500 CSL $1,806

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,040
20 $4,878
30 $2,940
40 $2,876
50 $2,742
60 $2,718

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $67
Online Quote $95
Total Discounts $572
Rate after discounts $754

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

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