Cadillac XT4 Insurance Rates

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UPDATED: Apr 8, 2024

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Estimated insurance rates for a Cadillac XT4 are $1,368 a year with full coverage. Comprehensive costs around $292, collision costs $564, and liability coverage is $376. A liability-only policy costs around $426 a year, with high-risk insurance costing around $2,976. Teens pay the most at $5,062 a year or more.

Average premium for full coverage: $1,368

Premium estimates for type of coverage:

Comprehensive $292
Collision $564
Liability $376

Prices include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all XT4 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Cadillac XT4 go from as low as $426 for just liability coverage to the much higher price of $2,976 for a high-risk insurance policy.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

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

These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, 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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $773
  • Raising to $1,000 deductibles will save about $194 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,368
  • Selecting pricier low deductibles will increase the cost to $1,748
  • Unlucky drivers with serious driving violations could pay at least $2,976 or more
  • An auto insurance policy for full coverage for a teenage driver for full coverage can be $5,062

View Chart as Image

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

Auto insurance prices for a Cadillac XT4 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac XT4 insurance rates. A middle-age driver might find prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium annually, depending on your age. Cadillac XT4 insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.

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 Find the Right Cadillac XT4 Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a quick rundown of the car insurance concepts covered in the charts and tables above.

  • Drivers with reckless driving or DUI convictions pay an average of $1,610 more every year for XT4 insurance
  • You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $575 each year
  • Consumers who may need higher liability limits will pay approximately $410 every year to raise from 30/60 bodily injury limits to 250/500 limits

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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