Cadillac XT4 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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The average insurance prices for a Cadillac XT4 are $1,326 every 12 months with full coverage. Comprehensive insurance costs approximately $282 a year, collision insurance costs $524, and liability coverage costs $384. Liability-only insurance costs as little as $432 a year, and high-risk driver insurance costs $2,876 or more. Teenage drivers cost the most to insure at up to $4,920 a year.
Average premium for full coverage: $1,326
Policy rates by type of insurance:
Includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and XT4 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac XT4 insurance rates range from the cheapest price of $432 for just the minimum liability insurance to a high of $2,876 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why it is important to compare rates using their specific location 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.
Additional Rate Analysis
The chart below details average Cadillac XT4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $754
- Drivers who choose higher $1,000 deductibles will pay $1,142 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,326
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $356 each year
- High-risk insureds who are prone to accidents and violations could pay around $2,876
- Policy cost to insure a teenage driver can cost $4,920 a year
Auto insurance rates for a Cadillac XT4 also range considerably based on liability limits and deductibles, your driving record, and the model of your XT4.
Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 45% to 135% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Cadillac XT4 insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,790 on average in New York, Michigan, and Florida.
| 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% |
| 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 Shop for the Cheapest Cadillac XT4 Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The next list is a recap of the material that was raised in the charts and tables above.
- Consumers who purchase increased levels of liability coverage will pay an extra $420 every year to go from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger have the highest car insurance rates, as much as $410 each month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents could be forced to pay on average $1,550 more per year to buy Cadillac XT4 insurance
- Increasing comprehensive and collision deductibles could save as much as $550 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,516 |
| $500 | $1,326 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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