Cadillac CT4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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The average insurance prices for a Cadillac CT4 are $1,362 every 12 months for full coverage. Comprehensive costs approximately $356, collision costs $612, and liability coverage is $284. Liability-only coverage costs around $328 a year, with high-risk coverage costing around $2,930. Teens cost the most to insure at $4,766 a year or more.

Average premium for full coverage: $1,362

Policy rates by type of insurance:

Comprehensive $356
Collision $612
Liability $284

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all CT4 models.

Price Range Variability

For an average driver, Cadillac CT4 insurance rates go from the cheapest price of $328 for minimum levels of liability insurance to the much higher price of $2,930 for a policy for a high-risk driver.

Liability Only $328
Full Coverage $1,362
High Risk $2,930

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,022
Small Cities $1,430
Large Cities $1,839

The examples above show why everyone should compare rates quotes using their specific location and their own driving history, 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 Rate Details

The chart below shows estimated Cadillac CT4 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $766
  • Raising to $1,000 deductibles will save $220 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,362
  • Selecting pricier low deductibles increases the price to $1,790
  • Unlucky drivers with serious driving violations could pay around $2,930 or more
  • Policy cost to insure a teenage driver for full coverage can cost $4,766

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing full coverage Cadillac CT4 insurance rates range from $766 to $4,766

Insurance rates for a Cadillac CT4 also range considerably based on liability limits and deductibles, your driver profile, and the model of your CT4.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $650 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $255 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,100 additional every year, depending on your age. Cadillac CT4 insurance for high-risk drivers is expensive and can cost around 44% to 132% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Cadillac CT4 insurance rates. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,940 on average in New York, Louisiana, and Michigan.

Cadillac CT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,232 -$130 -9.5%
Alaska $1,044 -$318 -23.3%
Arizona $1,132 -$230 -16.9%
Arkansas $1,362 -$0 0.0%
California $1,550 $188 13.8%
Colorado $1,300 -$62 -4.6%
Connecticut $1,400 $38 2.8%
Delaware $1,540 $178 13.1%
Florida $1,700 $338 24.8%
Georgia $1,258 -$104 -7.6%
Hawaii $980 -$382 -28.0%
Idaho $924 -$438 -32.2%
Illinois $1,016 -$346 -25.4%
Indiana $1,026 -$336 -24.7%
Iowa $920 -$442 -32.5%
Kansas $1,294 -$68 -5.0%
Kentucky $1,856 $494 36.3%
Louisiana $2,018 $656 48.2%
Maine $838 -$524 -38.5%
Maryland $1,124 -$238 -17.5%
Massachusetts $1,086 -$276 -20.3%
Michigan $2,364 $1,002 73.6%
Minnesota $1,142 -$220 -16.2%
Mississippi $1,632 $270 19.8%
Missouri $1,208 -$154 -11.3%
Montana $1,462 $100 7.3%
Nebraska $1,072 -$290 -21.3%
Nevada $1,632 $270 19.8%
New Hampshire $982 -$380 -27.9%
New Jersey $1,520 $158 11.6%
New Mexico $1,204 -$158 -11.6%
New York $1,434 $72 5.3%
North Carolina $782 -$580 -42.6%
North Dakota $1,116 -$246 -18.1%
Ohio $940 -$422 -31.0%
Oklahoma $1,396 $34 2.5%
Oregon $1,250 -$112 -8.2%
Pennsylvania $1,298 -$64 -4.7%
Rhode Island $1,816 $454 33.3%
South Carolina $1,234 -$128 -9.4%
South Dakota $1,150 -$212 -15.6%
Tennessee $1,192 -$170 -12.5%
Texas $1,640 $278 20.4%
Utah $1,010 -$352 -25.8%
Vermont $930 -$432 -31.7%
Virginia $818 -$544 -39.9%
Washington $1,050 -$312 -22.9%
West Virginia $1,250 -$112 -8.2%
Wisconsin $942 -$420 -30.8%
Wyoming $1,210 -$152 -11.2%

View Chart as Image

Cadillac CT4 insurance rates by U.S. city

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates will be varied.

Cadillac CT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT4 $398 $660 $258 $1,426
2023 Cadillac CT4 $382 $656 $264 $1,412
2022 Cadillac CT4 $368 $640 $274 $1,392
2021 Cadillac CT4 $356 $612 $284 $1,362
2020 Cadillac CT4 $336 $592 $292 $1,330

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 Shop for More Affordable Cadillac CT4 Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a summary of the coverage data covered in the above illustrations.

  • Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $650 each year
  • Drivers age 20 and younger are the costliest to insure, costing up to $397 each month if full coverage is included
  • Drivers who have multiple accidents or major violations may pay on average $1,570 more per year to buy Cadillac CT4 insurance

Rates by Driver Age

Cadillac CT4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,766
20 $3,102
30 $1,442
40 $1,362
50 $1,240
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,790
$250 $1,592
$500 $1,362
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,362
50/100 $1,419
100/300 $1,490
250/500 $1,674
100 CSL $1,447
300 CSL $1,603
500 CSL $1,717

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,864
20 $4,938
30 $3,016
40 $2,930
50 $2,792
60 $2,764

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 $190

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $69
Homeowner $18
5-yr Accident Free $107
5-yr Claim Free $89
Paid in Full/EFT $68
Advance Quote $70
Online Quote $100
Total Discounts $596
Rate after discounts $766

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

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