Cadillac XT4 Insurance Rates

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UPDATED: Apr 8, 2024

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The average insurance prices for a Cadillac XT4 are $1,368 every 12 months for full coverage insurance. Comprehensive insurance costs around $292 a year, collision costs $564, and liability is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing $2,976 or more. 16-year-old drivers cost the most to insure at $5,062 a year or more.

Average premium for full coverage: $1,368

Policy rates for type of insurance:

Comprehensive $292
Collision $564
Liability $376

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and XT4 trim levels.

Price Range Variability

For a driver around age 40, Cadillac XT4 insurance rates go from the cheapest price of $426 for minimum levels of liability insurance to a high of $2,976 for coverage for higher-risk drivers.

Liability Only $426
Full Coverage $1,368
High Risk $2,976

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

The examples above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on 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.

Additional Rate Details

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

  • The best full coverage rate is $773
  • Raising to $1,000 deductibles will save about $1,174 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,368
  • Buying low $100 deductibles costs an extra $380 annually
  • Drivers with multiple tickets or accidents could pay at least $2,976 or more
  • Policy cost to insure a 16-year-old driver can be $5,062

View Chart as Image

Cadillac XT4 insurance cost comparison chart
Column chart showing full coverage Cadillac XT4 insurance prices range from $773 to $5,062

Insurance rates for a Cadillac XT4 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce rates by up to $580 annually, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,000 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 probably paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Cadillac XT4 insurance prices. A middle-age driver might find rates as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

Cadillac XT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,236 -$132 -9.6%
Alaska $1,048 -$320 -23.4%
Arizona $1,134 -$234 -17.1%
Arkansas $1,368 -$0 0.0%
California $1,560 $192 14.0%
Colorado $1,308 -$60 -4.4%
Connecticut $1,404 $36 2.6%
Delaware $1,546 $178 13.0%
Florida $1,710 $342 25.0%
Georgia $1,266 -$102 -7.5%
Hawaii $984 -$384 -28.1%
Idaho $926 -$442 -32.3%
Illinois $1,018 -$350 -25.6%
Indiana $1,032 -$336 -24.6%
Iowa $924 -$444 -32.5%
Kansas $1,300 -$68 -5.0%
Kentucky $1,864 $496 36.3%
Louisiana $2,024 $656 48.0%
Maine $844 -$524 -38.3%
Maryland $1,130 -$238 -17.4%
Massachusetts $1,092 -$276 -20.2%
Michigan $2,376 $1,008 73.7%
Minnesota $1,144 -$224 -16.4%
Mississippi $1,638 $270 19.7%
Missouri $1,216 -$152 -11.1%
Montana $1,468 $100 7.3%
Nebraska $1,076 -$292 -21.3%
Nevada $1,640 $272 19.9%
New Hampshire $986 -$382 -27.9%
New Jersey $1,528 $160 11.7%
New Mexico $1,210 -$158 -11.5%
New York $1,440 $72 5.3%
North Carolina $788 -$580 -42.4%
North Dakota $1,122 -$246 -18.0%
Ohio $944 -$424 -31.0%
Oklahoma $1,404 $36 2.6%
Oregon $1,254 -$114 -8.3%
Pennsylvania $1,302 -$66 -4.8%
Rhode Island $1,826 $458 33.5%
South Carolina $1,240 -$128 -9.4%
South Dakota $1,154 -$214 -15.6%
Tennessee $1,198 -$170 -12.4%
Texas $1,648 $280 20.5%
Utah $1,012 -$356 -26.0%
Vermont $934 -$434 -31.7%
Virginia $820 -$548 -40.1%
Washington $1,056 -$312 -22.8%
West Virginia $1,254 -$114 -8.3%
Wisconsin $944 -$424 -31.0%
Wyoming $1,216 -$152 -11.1%

View Chart as Image

Cadillac XT4 insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.

Cadillac XT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac XT4 $346 $630 $332 $1,444
2023 Cadillac XT4 $332 $626 $338 $1,432
2022 Cadillac XT4 $320 $610 $354 $1,420
2021 Cadillac XT4 $310 $586 $364 $1,396
2020 Cadillac XT4 $292 $564 $376 $1,368
2019 Cadillac XT4 $282 $524 $384 $1,326

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 Low Cost Cadillac XT4 Insurance

Finding cheaper rates on insurance for a Cadillac XT4 consists of having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a review of the primary concepts that were covered above.

  • It is possible to save up to $170 per year simply by quoting early and online
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,610 more every year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save as much as $575 each year
  • 16 to 18-year-old drivers are charged the highest rates, possibly costing $422 each month if full coverage is included

Rates by Driver Age

Cadillac XT4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,062
20 $3,170
30 $1,434
40 $1,368
50 $1,250
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,572
$500 $1,368
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,368
50/100 $1,443
100/300 $1,537
250/500 $1,782
100 CSL $1,481
300 CSL $1,688
500 CSL $1,838

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,246
20 $5,054
30 $3,046
40 $2,976
50 $2,840
60 $2,814

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 $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $90
Paid in Full/EFT $65
Advance Quote $70
Online Quote $99
Total Discounts $595
Rate after discounts $773

Discounts are estimated and may not be available from every company or in every state.

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