Cadillac XT4 Insurance Rates
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Michelle Robbins
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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 auto insurance rates for a Cadillac XT4 are $1,326 annually for full coverage insurance. Comprehensive costs approximately $282 a year, collision insurance costs $524, and liability coverage is estimated at $384. A policy with just liability insurance costs approximately $432 a year, and coverage for high-risk drivers costs around $2,876. Teens receive the highest rates at up to $4,920 a year.
Average premium for full coverage: $1,326
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and XT4 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $432 for liability-only coverage to a high of $2,876 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.
These examples illustrate why it is important to get quotes using their specific location and their own personal driving habits, rather than using averaged prices.
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 Charts and Tables
The chart below illustrates average Cadillac XT4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $754
- Choosing higher $1,000 deductibles can save $1,142 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,326
- Selecting low $100 deductibles for comp and collision coverage will cost $1,682
- Drivers with serious driving violations could pay around $2,876
- The cost with full coverage for a teenage driver can cost $4,920 each year
Insurance rates for a Cadillac XT4 can also vary considerably based on the trim level of your XT4, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges around 45% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $540 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac XT4 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,790 on average in Florida, New York, 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% |
| 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 Buy More Affordable Cadillac XT4 Insurance
Saving money on auto insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following list is a summary of the coverage data presented in the illustrations above.
- It is possible to save around $160 per year just by quoting early and online
- Increasing deductibles could save up to $550 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $410 per month if they have full coverage
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,550 more per year than a safer 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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