Cadillac XT4 Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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