Cadillac CT4 Insurance Rates

The average insurance prices for a Cadillac CT4 are $1,362 every 12 months with full coverage. Comprehensive insurance costs on average $356 each year, collision insurance costs $612, and liability coverage costs around $284. Liability-only insurance costs as low as $328 a year, and high-risk driver insurance costs $2,930 or more. Teens cost the most to insure at up to $4,766 a year.

Average premium for full coverage: $1,362

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and CT4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and their own driving history, rather than using averaged prices.

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

More Rate Information

The chart below details average Cadillac CT4 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $766
• Using higher $1,000 deductibles will save around $220 annually
• The average price for a good driver age 40 with $500 deductibles is $1,362
• Selecting low deductibles for physical damage coverage costs an extra $428 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,930
• Policy cost to insure a teenage driver may cost $4,766 or more

View Chart as Image

Auto insurance rates for a Cadillac CT4 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your CT4.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $650 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $255 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac CT4 insurance rates. A driver around age 40 might see rates as low as $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,840 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheap Cadillac CT4 Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct companies, and also from local exclusive and independent agents.

The items below are a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $170 per year just by quoting online in advance
• Drivers that tend to have accidents or serious violations may pay on average $1,570 more each year to insure their CT4
• Increasing comprehensive and collision deductibles could save as much as $650 each year
• Teen drivers are charged the highest rates, as much as $397 each month if comprehensive and collision insurance is included