Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac CT4 are $1,392 a year including full coverage. Comprehensive costs an estimated $368 each year, collision insurance costs $640, and liability coverage costs $274. A liability-only policy costs as little as $322 a year, and high-risk insurance costs around $2,996. Teens receive the highest rates at up to $4,848 a year.
Average premium for full coverage: $1,392
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and CT4 models.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $322 for basic liability insurance to a high rate of $2,996 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.
These examples highlight why all drivers should compare rates for a targeted area 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.
Rate Comparisons
The chart below breaks down average Cadillac CT4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $779
- Drivers who choose higher $1,000 deductibles will pay approximately $230 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,392
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,836
- High-risk insureds with serious driving violations could pay up to $2,996
- The cost for full coverage for a teenage driver can cost as much as $4,848 a year
Insurance rates for a Cadillac CT4 can also vary considerably based on your driver profile, the model of your CT4, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age
Where you live makes a big difference in Cadillac CT4 insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $680 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 129% more than the average policy. View High Risk Driver Rates
| 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 Affordable Cadillac CT4 Insurance
Saving money on auto insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at every other renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The next list is a brief review of the concepts that were touched on above.
- Drivers with DUI or reckless driving convictions may pay on average $1,600 more annually to buy Cadillac CT4 insurance
- Drivers age 20 and younger are charged the highest rates, as much as $404 per month for full coverage
- You may be able to save approximately $180 per year just by quoting online in advance
- Increasing deductibles can save around $675 each year
- You may be able to save approximately $180 per year just 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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