Cadillac CT4 Insurance Rates

Average insurance rates for a Cadillac CT4 are $1,392 a year including full coverage. Comprehensive costs an estimated $368 a year, collision insurance costs $640, and liability costs around $274. A liability-only policy costs as low as $322 a year, and high-risk insurance costs around $2,996. Teen drivers receive the highest rates at up to $4,848 a year.

Average premium for full coverage: $1,392

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and CT4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

These examples highlight why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $779
• Using higher $1,000 deductibles will save approximately $1,162 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,392
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,836
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,996
• The cost for full coverage for a 16-year-old driver can cost as much as $4,848 or more

View Chart as Image

Insurance rates for a Cadillac CT4 can also vary considerably based on your driver profile, the model of your CT4, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

Where you live has a huge impact on Cadillac CT4 insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,990 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $680 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $246 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be from 45% to 129% more than average. View High Risk Driver Rates

How to Find Affordable Cadillac CT4 Insurance

Saving money on insurance for a Cadillac CT4 requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following is a brief review of the data that was covered in the above illustrations.

• You may be able to save approximately $180 per year just by quoting early and online
• Insureds who want higher liability limits will pay about $300 per year to increase from a minimum limit to 250/500 limits
• Teens are charged the highest rates, as much as $404 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,600 more annually for CT4 insurance