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 rates for a Cadillac XT4 are $1,326 a year with full coverage. Comprehensive insurance costs an estimated $282, collision insurance costs $524, and liability insurance is estimated at $384. Liability-only insurance costs approximately $432 a year, and high-risk driver insurance costs $2,876 or more. Teen drivers cost the most to insure at up to $4,920 a year.
Average premium for full coverage: $1,326
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all XT4 models.
Price Range Variability
For a 40-year-old driver, Cadillac XT4 insurance rates range from as low as $432 for your basic liability-only policy to the much higher price of $2,876 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.
The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on 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.
More Rate Information
The chart below details average Cadillac XT4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $754
- Choosing higher $1,000 deductibles can save approximately $184 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,326
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $356 a year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,876
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,920 each year
Auto insurance rates for a Cadillac XT4 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac XT4 insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or 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% |
Choosing high deductibles can save as much as $540 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,200 in extra premium every year, depending on your age. Cadillac XT4 insurance for high-risk drivers ranges anywhere from 45% to 135% more than average. 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 Cheap Cadillac XT4 Insurance
Finding cheaper rates on Cadillac XT4 insurance takes being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief summary of the coverage data illustrated above.
- You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $550 each year
- Youthful drivers are the costliest to insure, as much as $410 each month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,550 more annually than a low-risk driver
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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