Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Cadillac CT4 are $1,330 annually with full coverage. Comprehensive costs around $336 each year, collision costs $592, and liability insurance is estimated at $292. A liability-only policy costs approximately $336 a year, with high-risk insurance costing around $2,866. 16-year-old drivers cost the most to insure at $4,694 a year or more.
Average premium for full coverage: $1,330
Policy rates for type of insurance:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and CT4 models.
Price Range Variability
For the average 40-year-old driver, Cadillac CT4 insurance rates go from as cheap as $336 for the bare minimum liability coverage to a high rate of $2,866 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The examples above demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, 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 Rate Information
The chart below details estimated Cadillac CT4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $745
- Choosing higher $1,000 deductibles can save about $210 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,330
- Buying low deductibles for comp and collision coverage will cost $1,740
- High-risk insureds with multiple tickets or accidents could pay at least $2,866 or more
- Policy cost with full coverage for a teen driver can be $4,694 each year
Car insurance rates for a Cadillac CT4 also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $620 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $263 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac CT4 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,790 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.
| 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 Buy Cheap Cadillac CT4 Insurance
Finding cheaper rates on Cadillac CT4 insurance takes having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief summary of the ideas that were touched on in this article.
- Drivers age 20 and younger are the costliest to insure, as much as $391 each month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,540 more every year to buy Cadillac CT4 insurance
- Increasing comprehensive and collision deductibles could save up to $625 each year
- You may be able to save up to $170 per year simply by quoting online in advance
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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