Cadillac XT4 Insurance Rates
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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...
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UPDATED: Apr 8, 2024
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Average insurance rates for a Cadillac XT4 are $1,326 a year for full coverage. Comprehensive costs approximately $282, collision insurance costs $524, and liability costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs around $2,876. 16-year-old drivers receive the highest rates at up to $4,920 a year.
Average premium for full coverage: $1,326
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all XT4 models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $432 for just liability insurance to the much higher price of $2,876 for high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.
These examples show why everyone should compare rates using their specific location and risk profile, instead of 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.
More Rate Details
The chart below shows average Cadillac XT4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $754
- Drivers who choose higher $1,000 deductibles will pay $184 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,326
- Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,682
- Higher-risk drivers with multiple tickets or accidents could pay around $2,876
- The cost for full coverage for a teen driver for full coverage can cost $4,920 a year
Car insurance rates for a Cadillac XT4 can also vary considerably based on your driver profile, the trim level of your XT4, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age
Where you live makes a big difference in Cadillac XT4 insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,890 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $540 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Cadillac XT4 insurance for high-risk drivers can cost as much as 45% to 135% more than the average rate. View High Risk Driver Rates
| 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
Saving money on car insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and attention to physical damage deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a condensed summary of the material that was presented in the illustrations above.
- Policyholders who purchase increased levels of liability coverage will pay around $420 each year to go from a minimum limit to 250/500 limits
- Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $410 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents may pay on average $1,550 more per year to buy Cadillac XT4 insurance
- Increasing deductibles can save around $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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