Cadillac CT4 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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac CT4 are $1,330 a year for full coverage. Comprehensive costs on average $336, collision costs $592, and liability insurance costs $292. A policy with just liability insurance costs as little as $336 a year, with coverage for high-risk drivers costing around $2,866. 16-year-old drivers pay the highest rates at $4,694 a year or more.
Average premium for full coverage: $1,330
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different CT4 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac CT4 insurance prices go from as low as $336 for liability-only coverage to a much higher rate of $2,866 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying 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 Charts and Tables
The chart below shows estimated Cadillac CT4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $745
- Drivers who choose higher $1,000 deductibles will pay around $210 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,330
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,740
- High risk drivers with multiple tickets or accidents could pay upwards of $2,866 or more
- The price for full coverage for a teen driver with full coverage may cost $4,694 a year
Insurance prices for a Cadillac CT4 are also quite variable based on your driving record, the trim level of your CT4, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age
The state you live in makes a big difference in Cadillac CT4 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or at least $1,900 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,202 | -$128 | -9.6% |
| Alaska | $1,020 | -$310 | -23.3% |
| Arizona | $1,104 | -$226 | -17.0% |
| Arkansas | $1,330 | -$0 | 0.0% |
| California | $1,514 | $184 | 13.8% |
| Colorado | $1,268 | -$62 | -4.7% |
| Connecticut | $1,366 | $36 | 2.7% |
| Delaware | $1,504 | $174 | 13.1% |
| Florida | $1,660 | $330 | 24.8% |
| Georgia | $1,228 | -$102 | -7.7% |
| Hawaii | $956 | -$374 | -28.1% |
| Idaho | $900 | -$430 | -32.3% |
| Illinois | $990 | -$340 | -25.6% |
| Indiana | $1,002 | -$328 | -24.7% |
| Iowa | $900 | -$430 | -32.3% |
| Kansas | $1,264 | -$66 | -5.0% |
| Kentucky | $1,812 | $482 | 36.2% |
| Louisiana | $1,968 | $638 | 48.0% |
| Maine | $818 | -$512 | -38.5% |
| Maryland | $1,096 | -$234 | -17.6% |
| Massachusetts | $1,060 | -$270 | -20.3% |
| Michigan | $2,310 | $980 | 73.7% |
| Minnesota | $1,114 | -$216 | -16.2% |
| Mississippi | $1,594 | $264 | 19.8% |
| Missouri | $1,180 | -$150 | -11.3% |
| Montana | $1,430 | $100 | 7.5% |
| Nebraska | $1,048 | -$282 | -21.2% |
| Nevada | $1,596 | $266 | 20.0% |
| New Hampshire | $958 | -$372 | -28.0% |
| New Jersey | $1,484 | $154 | 11.6% |
| New Mexico | $1,176 | -$154 | -11.6% |
| New York | $1,400 | $70 | 5.3% |
| North Carolina | $764 | -$566 | -42.6% |
| North Dakota | $1,088 | -$242 | -18.2% |
| Ohio | $918 | -$412 | -31.0% |
| Oklahoma | $1,364 | $34 | 2.6% |
| Oregon | $1,220 | -$110 | -8.3% |
| Pennsylvania | $1,266 | -$64 | -4.8% |
| Rhode Island | $1,772 | $442 | 33.2% |
| South Carolina | $1,204 | -$126 | -9.5% |
| South Dakota | $1,122 | -$208 | -15.6% |
| Tennessee | $1,164 | -$166 | -12.5% |
| Texas | $1,602 | $272 | 20.5% |
| Utah | $986 | -$344 | -25.9% |
| Vermont | $908 | -$422 | -31.7% |
| Virginia | $798 | -$532 | -40.0% |
| Washington | $1,026 | -$304 | -22.9% |
| West Virginia | $1,220 | -$110 | -8.3% |
| Wisconsin | $920 | -$410 | -30.8% |
| Wyoming | $1,182 | -$148 | -11.1% |
Opting for high physical damage deductibles could save up to $620 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $263 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT4 | $382 | $656 | $264 | $1,412 |
| 2023 Cadillac CT4 | $368 | $640 | $274 | $1,392 |
| 2022 Cadillac CT4 | $356 | $612 | $284 | $1,362 |
| 2021 Cadillac CT4 | $336 | $592 | $292 | $1,330 |
| 2020 Cadillac CT4 | $324 | $548 | $298 | $1,280 |
Rates are averaged for all Cadillac CT4 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 Best Cheap Cadillac CT4 Insurance
Getting lower rates on Cadillac CT4 insurance not only requires having a good driving record, but also maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around once a year by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The next list is a quick review of the data that was raised in the charts and tables above.
- Drivers can save as much as $170 per year simply by shopping early and online
- Drivers who require increased levels of liability coverage will pay around $320 each year to go from a low limit to 250/500 limits
- Drivers age 20 and younger pay the highest prices, with premiums as much as $391 a month for full coverage
- High-risk drivers with a DUI or reckless driving violation will pay on average $1,540 more each year to buy Cadillac CT4 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,694 |
| 20 | $3,038 |
| 30 | $1,406 |
| 40 | $1,330 |
| 50 | $1,210 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,740 |
| $250 | $1,550 |
| $500 | $1,330 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,330 |
| 50/100 | $1,388 |
| 100/300 | $1,461 |
| 250/500 | $1,651 |
| 100 CSL | $1,418 |
| 300 CSL | $1,578 |
| 500 CSL | $1,695 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,756 |
| 20 | $4,836 |
| 30 | $2,948 |
| 40 | $2,866 |
| 50 | $2,730 |
| 60 | $2,704 |
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 | $73 |
| Multi-vehicle | $68 |
| Homeowner | $18 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $66 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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