Cadillac CT4 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac CT4 are $1,362 annually for full coverage. Comprehensive insurance costs an estimated $356 a year, collision insurance costs $612, and liability costs around $284. Liability-only coverage costs as low as $328 a year, and high-risk coverage costs $2,930 or more. Teen drivers receive the highest rates at up to $4,766 a year.
Average premium for full coverage: $1,362
Rate estimates broken down by individual coverage type:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and CT4 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $328 for your basic liability-only policy to a high of $2,930 for high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.
These examples show why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price 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.
More Rate Information
The chart below shows average Cadillac CT4 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $766
- Using higher $1,000 deductibles will save approximately $1,142 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,362
- Choosing low $100 deductibles for physical damage coverage costs an additional $428 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,930
- The cost with full coverage for a 16-year-old driver can cost as much as $4,766 or more
Car insurance rates for a Cadillac CT4 can also vary considerably based on the trim level of your CT4, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $650 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $255 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Cadillac CT4 insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,940 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Buy the Best Cheap Cadillac CT4 Insurance
Saving money on insurance for a Cadillac CT4 requires being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a quick review of the material that was covered above.
- Insureds who want higher levels of liability will pay about $310 each year to increase from a minimum limit to higher 250/500 limits
- Teenage drivers have the highest car insurance rates, costing as high as $397 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,570 more annually for auto insurance
- Increasing deductibles could save up to $650 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,592 |
| $500 | $1,362 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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