Cadillac XT4 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance prices for a Cadillac XT4 are $1,326 every 12 months including full coverage. Comprehensive costs around $282 a year, collision costs $524, and liability costs around $384. A liability-only policy costs as low as $432 a year, with high-risk insurance costing around $2,876. Teen drivers cost the most to insure at $4,920 a year or more.

Average premium for full coverage: $1,326

Policy rates for type of insurance:

Comprehensive $282
Collision $524
Liability $384

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and XT4 trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Cadillac XT4 insurance rates go from the cheapest price of $432 for a discount liability-only rate to a high of $2,876 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

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

The examples above highlight why it is important to compare prices for a specific zip code and their own driving history, instead of using price 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.

Rates by State, City, and Model

The chart below breaks down estimated Cadillac XT4 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $754
  • Using higher $1,000 deductibles will save about $1,142 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,326
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,682
  • Drivers with multiple violations and an at-fault accident could pay at least $2,876 or more
  • Policy cost to insure a teen driver can be $4,920 or more

View Chart as Image

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

Car insurance rates for a Cadillac XT4 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $540 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 are likely paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Cadillac XT4 insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,890 on average in Michigan, New York, and Louisiana.

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

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied.

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 Shop for the Best Cadillac XT4 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the ideas that were raised in the charts and tables above.

  • Teens are the costliest to insure, with premiums being up to $410 each month if the policy includes full coverage
  • Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,550 more every year for XT4 insurance
  • Increasing comprehensive and collision deductibles could save as much as $550 each year
  • You may be able to save up to $160 per year simply by quoting 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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles