Cadillac CT4 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CT4 are $1,362 every 12 months including full coverage. Comprehensive insurance costs an estimated $356 each year, collision costs $612, and liability is estimated at $284. Buying just liability costs approximately $328 a year, with insurance for high-risk drivers costing $2,930 or more. 16-year-old drivers pay the highest rates at $4,766 a year or more.
Average premium for full coverage: $1,362
Price estimates broken down by individual coverage:
Estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and CT4 models.
Price Range from Low to High
For a driver in their 40's, Cadillac CT4 insurance prices go from the cheapest price of $328 for your basic liability-only policy to a high rate of $2,930 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
The ranges above highlight why all drivers should get quotes for a targeted area and their own driving history, instead of using 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.
More Rate Information
The chart below breaks down estimated Cadillac CT4 insurance rates for other coverage scenarios.
- The best full coverage rate is $766
- Choosing higher $1,000 deductibles can save approximately $220 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,362
- Buying low deductibles for comp and collision coverage costs an extra $428 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,930 or more
- The price to insure a teen driver can cost as much as $4,766 each year
Insurance prices for a Cadillac CT4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $650 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $255 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,600 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac CT4 insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices may be quite different.
| 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 Shop for Low Cost Cadillac CT4 Insurance
Getting lower rates on car insurance takes having a good driving record, having above-average credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a review of the material that was covered in the charts and tables above.
- Policyholders who want increased levels of liability coverage will pay around $310 per year to raise limits from a low limit to a 250/500 level
- Drivers age 20 and younger are expensive to insure, possibly costing $397 a month if full coverage is included
- Higher risk drivers who have several accidents or serious violations may have to pay on average $1,570 more annually to buy Cadillac CT4 insurance
- Increasing physical damage deductibles could save as much as $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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