Cadillac CT4 Insurance Rates

U.S. average insurance rates for a Cadillac CT4 are $1,362 a year with full coverage. Comprehensive costs approximately $356 a year, collision insurance costs $612, and liability insurance is $284. A policy with just liability insurance costs around $328 a year, and coverage for high-risk drivers costs around $2,930. Teenage drivers pay the highest rates at up to $4,766 a year.

Average premium for full coverage: $1,362

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and CT4 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details average Cadillac CT4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $766
• Raising to $1,000 deductibles will save $1,142 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,362
• Using low $100 deductibles will increase the cost to $1,790
• Higher-risk drivers who are prone to accidents and violations could pay around $2,930
• The price for full coverage for a teen driver can cost $4,766

View Chart as Image

Insurance prices for a Cadillac CT4 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in also has a big influence on Cadillac CT4 insurance rates. A middle-age driver might find prices as low as $980 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,840 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $650 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $255 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Right Cadillac CT4 Insurance

Getting lower rates on Cadillac CT4 insurance consists of having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick rundown of the ideas that were presented in the illustrations above.

• 16 to 18-year-old drivers are expensive to insure, costing up to $397 a month for full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,570 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $650 each year
• You may be able to save around $170 per year just by quoting early and online