Cadillac CT4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac CT4 are $1,330 a year for full coverage. Comprehensive costs approximately $336, collision costs $592, and liability costs $292. A policy with just liability insurance costs as little as $336 a year, with coverage for high-risk drivers costing around $2,866. Teen drivers receive the highest rates at $4,694 a year or more.
Average premium for full coverage: $1,330
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all CT4 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $336 for a discount liability-only rate to the much higher price of $2,866 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
These examples show why everyone should compare rates using their specific location, 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.
Rates by State, City, and Model
The chart below shows estimated Cadillac CT4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $745
- Drivers who choose higher $1,000 deductibles will pay $210 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,330
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,740
- Drivers with multiple violations and an at-fault accident could pay around $2,866 or more
- The cost that insures a 16-year-old driver for full coverage can cost $4,694 a year
Insurance rates for a Cadillac CT4 can also vary considerably based on the model of your CT4, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,100 additional per year, depending on your age. Cadillac CT4 insurance for high-risk drivers can cost from 45% to 135% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
Where you live makes a big difference in Cadillac CT4 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,900 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could save up to $620 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $263 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates can be significantly different.
| 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 Find More Affordable Cadillac CT4 Insurance
Saving money on insurance for a Cadillac CT4 not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Shop around every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a summary of the ideas that were presented in the illustrations above.
- Drivers age 16 to 20 are the costliest to insure, costing as high as $391 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,540 more per year than a safer driver
- Increasing deductibles can save approximately $625 each year
- Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
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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