Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac CT4 are $1,392 a year including full coverage. Comprehensive costs an estimated $368 each year, collision costs $640, and liability costs around $274. A liability-only policy costs as low as $322 a year, with high-risk insurance costing around $2,996. 16-year-old drivers pay the most at $4,848 a year or more.
Average premium for full coverage: $1,392
Premium estimates broken down by type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and CT4 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Cadillac CT4 go from the low end price of $322 for a discount liability-only rate to a high rate of $2,996 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
These rate differences highlight why all drivers should compare prices for a targeted area, 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.
Rates by State, City, and Model
The chart below breaks down estimated Cadillac CT4 insurance rates for other coverage scenarios.
- The best full coverage rate is $779
- Using higher $1,000 deductibles will save approximately $230 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,392
- Buying low deductibles for physical damage coverage bumps up the cost to $1,836
- High-risk insureds with multiple tickets or accidents could pay up to $2,996 or more
- An auto insurance policy that insures a 16-year-old driver can cost as much as $4,848 or more
Auto insurance prices for a Cadillac CT4 also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 45% to 129% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac CT4 insurance prices. A driver around age 40 might see prices as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,990 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,260 | -$132 | -9.5% |
| Alaska | $1,066 | -$326 | -23.4% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,328 | -$64 | -4.6% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,742 | $350 | 25.1% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $1,002 | -$390 | -28.0% |
| Idaho | $944 | -$448 | -32.2% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,050 | -$342 | -24.6% |
| Iowa | $942 | -$450 | -32.3% |
| Kansas | $1,322 | -$70 | -5.0% |
| Kentucky | $1,898 | $506 | 36.4% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $858 | -$534 | -38.4% |
| Maryland | $1,148 | -$244 | -17.5% |
| Massachusetts | $1,112 | -$280 | -20.1% |
| Michigan | $2,418 | $1,026 | 73.7% |
| Minnesota | $1,166 | -$226 | -16.2% |
| Mississippi | $1,668 | $276 | 19.8% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,498 | $106 | 7.6% |
| Nebraska | $1,096 | -$296 | -21.3% |
| Nevada | $1,670 | $278 | 20.0% |
| New Hampshire | $1,004 | -$388 | -27.9% |
| New Jersey | $1,554 | $162 | 11.6% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,468 | $76 | 5.5% |
| North Carolina | $800 | -$592 | -42.5% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,428 | $36 | 2.6% |
| Oregon | $1,278 | -$114 | -8.2% |
| Pennsylvania | $1,328 | -$64 | -4.6% |
| Rhode Island | $1,856 | $464 | 33.3% |
| South Carolina | $1,262 | -$130 | -9.3% |
| South Dakota | $1,176 | -$216 | -15.5% |
| Tennessee | $1,218 | -$174 | -12.5% |
| Texas | $1,676 | $284 | 20.4% |
| Utah | $1,032 | -$360 | -25.9% |
| Vermont | $952 | -$440 | -31.6% |
| Virginia | $836 | -$556 | -39.9% |
| Washington | $1,074 | -$318 | -22.8% |
| West Virginia | $1,278 | -$114 | -8.2% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,238 | -$154 | -11.1% |
Opting for high physical damage deductibles could cut prices by as much as $680 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT4 | $418 | $688 | $246 | $1,462 |
| 2023 Cadillac CT4 | $398 | $660 | $258 | $1,426 |
| 2022 Cadillac CT4 | $382 | $656 | $264 | $1,412 |
| 2021 Cadillac CT4 | $368 | $640 | $274 | $1,392 |
| 2020 Cadillac CT4 | $356 | $612 | $284 | $1,362 |
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 Low Cost Cadillac CT4 Insurance
Finding better rates on insurance for a Cadillac CT4 requires avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Comparison shop at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,600 more annually for car insurance
- Teenagers are the costliest to insure, with the cost nearing $404 per month if the policy includes full coverage
- You may be able to save approximately $180 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $675 each year
- You may be able to save approximately $180 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,848 |
| 20 | $3,174 |
| 30 | $1,476 |
| 40 | $1,392 |
| 50 | $1,266 |
| 60 | $1,242 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,632 |
| $500 | $1,392 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,447 |
| 100/300 | $1,515 |
| 250/500 | $1,693 |
| 100 CSL | $1,474 |
| 300 CSL | $1,625 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $5,050 |
| 30 | $3,086 |
| 40 | $2,996 |
| 50 | $2,854 |
| 60 | $2,828 |
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 | $77 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $70 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $613 |
Discounts are estimated and may not be available from every company or in every state.
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