Cadillac CT4 Insurance Rates

U.S. average insurance rates for a Cadillac CT4 are $1,330 a year for full coverage insurance. Comprehensive insurance costs an estimated $336, collision insurance costs $592, and liability insurance costs $292. Buying just liability costs as little as $336 a year, and insurance for high-risk drivers costs $2,866 or more. Teen drivers pay the highest rates at up to $4,694 a year.

Average premium for full coverage: $1,330

Price estimates broken down by individual coverage:

Includes $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different CT4 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below illustrates average Cadillac CT4 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $745
• Drivers who choose higher $1,000 deductibles will pay approximately $210 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,330
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $410 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,866
• The price that insures a teen driver with full coverage can cost as much as $4,694 a year

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

If you have some driving violations or you caused an accident, you are probably paying $1,600 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 135% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in makes a big difference in Cadillac CT4 insurance rates. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,790 on average in Florida, New York, and Michigan.

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Choosing high deductibles could save up to $620 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $263 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Cadillac CT4 Insurance

Getting lower rates on Cadillac CT4 insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and possibly raising deductibles. Shop around at least once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following is a recap of the primary concepts that were covered above.

• It is possible to save approximately $170 per year just by shopping early and online
• High-risk drivers that have major violations or accidents may have to pay on average $1,540 more annually for CT4 insurance
• Increasing physical damage deductibles can save approximately $625 each year
• Teens are expensive to insure, as much as $391 a month if comprehensive and collision insurance is included