Cadillac XT4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
U.S. average auto insurance rates for a Cadillac XT4 are $1,368 annually for full coverage insurance. Comprehensive insurance costs an estimated $292 a year, collision costs $564, and liability insurance costs $376. Liability-only coverage costs as little as $426 a year, with high-risk coverage costing $2,976 or more. Teens pay the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,368
Price estimates broken down by individual coverage:
Includes $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and XT4 trim levels.
Price Range from Low to High
For the normal driver, Cadillac XT4 insurance prices go from as cheap as $426 for your basic liability-only policy to a high of $2,976 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on 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.
More Rate Information
The chart below illustrates estimated Cadillac XT4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $773
- Drivers who choose higher $1,000 deductibles will pay approximately $1,174 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,368
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $380 a year
- High risk drivers with serious driving violations could pay up to $2,976 or more
- The price with full coverage for a teen driver can cost as much as $5,062 a year
Auto insurance prices for a Cadillac XT4 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $580 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Cadillac XT4 insurance rates. A 40-year-old driver could pay as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,850 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different between companies.
| 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 Buy the Cheapest Cadillac XT4 Insurance
Getting lower rates on Cadillac XT4 insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the material that was presented in the illustrations above.
- Drivers who want higher levels of liability will pay approximately $410 annually to go from a low limit to higher 250/500 limits
- Teenage drivers are the costliest to insure, as much as $422 a month if full coverage is included
- High-risk drivers that have major violations or accidents may pay on average $1,610 more annually for auto insurance
- Increasing physical damage deductibles could save up to $575 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,572 |
| $500 | $1,368 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
Secured with SHA-256 Encryption
