Cadillac XT4 Insurance Rates
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UPDATED: Apr 8, 2024
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The average insurance prices for a Cadillac XT4 are $1,396 every 12 months for full coverage. Comprehensive costs on average $310, collision costs $586, and liability is $364. Liability-only coverage costs around $416 a year, with high-risk coverage costing around $3,028. Teenage drivers cost the most to insure at $5,112 a year or more.
Average premium for full coverage: $1,396
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different XT4 trim levels.
Price Range Variability
For an average driver, Cadillac XT4 insurance rates go from the cheapest price of $416 for basic liability insurance to a much higher rate of $3,028 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.
The price range example below illustrates the effect of geographic area on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below shows estimated Cadillac XT4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $789
- Raising to $1,000 deductibles will save around $204 a year
- The average price for a good driver age 40 with $500 deductibles is $1,396
- Using more expensive low deductibles increases the price to $1,790
- Drivers who are prone to accidents and violations could pay upwards of $3,028 or more
- Policy cost to insure a 16-year-old driver with full coverage may cost $5,112
Insurance rates for a Cadillac XT4 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your XT4.
Using high physical damage deductibles can reduce rates by up to $600 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 136% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Cadillac XT4 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,260 | -$136 | -9.7% |
| Alaska | $1,070 | -$326 | -23.4% |
| Arizona | $1,156 | -$240 | -17.2% |
| Arkansas | $1,396 | -$0 | 0.0% |
| California | $1,588 | $192 | 13.8% |
| Colorado | $1,330 | -$66 | -4.7% |
| Connecticut | $1,432 | $36 | 2.6% |
| Delaware | $1,576 | $180 | 12.9% |
| Florida | $1,742 | $346 | 24.8% |
| Georgia | $1,290 | -$106 | -7.6% |
| Hawaii | $1,002 | -$394 | -28.2% |
| Idaho | $946 | -$450 | -32.2% |
| Illinois | $1,038 | -$358 | -25.6% |
| Indiana | $1,054 | -$342 | -24.5% |
| Iowa | $940 | -$456 | -32.7% |
| Kansas | $1,324 | -$72 | -5.2% |
| Kentucky | $1,902 | $506 | 36.2% |
| Louisiana | $2,064 | $668 | 47.9% |
| Maine | $860 | -$536 | -38.4% |
| Maryland | $1,152 | -$244 | -17.5% |
| Massachusetts | $1,114 | -$282 | -20.2% |
| Michigan | $2,422 | $1,026 | 73.5% |
| Minnesota | $1,168 | -$228 | -16.3% |
| Mississippi | $1,670 | $274 | 19.6% |
| Missouri | $1,238 | -$158 | -11.3% |
| Montana | $1,496 | $100 | 7.2% |
| Nebraska | $1,098 | -$298 | -21.3% |
| Nevada | $1,672 | $276 | 19.8% |
| New Hampshire | $1,004 | -$392 | -28.1% |
| New Jersey | $1,560 | $164 | 11.7% |
| New Mexico | $1,234 | -$162 | -11.6% |
| New York | $1,468 | $72 | 5.2% |
| North Carolina | $802 | -$594 | -42.6% |
| North Dakota | $1,142 | -$254 | -18.2% |
| Ohio | $962 | -$434 | -31.1% |
| Oklahoma | $1,430 | $34 | 2.4% |
| Oregon | $1,278 | -$118 | -8.5% |
| Pennsylvania | $1,328 | -$68 | -4.9% |
| Rhode Island | $1,858 | $462 | 33.1% |
| South Carolina | $1,264 | -$132 | -9.5% |
| South Dakota | $1,176 | -$220 | -15.8% |
| Tennessee | $1,220 | -$176 | -12.6% |
| Texas | $1,680 | $284 | 20.3% |
| Utah | $1,030 | -$366 | -26.2% |
| Vermont | $954 | -$442 | -31.7% |
| Virginia | $834 | -$562 | -40.3% |
| Washington | $1,076 | -$320 | -22.9% |
| West Virginia | $1,278 | -$118 | -8.5% |
| Wisconsin | $962 | -$434 | -31.1% |
| Wyoming | $1,240 | -$156 | -11.2% |
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| 2023 Cadillac XT4 | $346 | $630 | $332 | $1,444 |
| 2022 Cadillac XT4 | $332 | $626 | $338 | $1,432 |
| 2021 Cadillac XT4 | $320 | $610 | $354 | $1,420 |
| 2020 Cadillac XT4 | $310 | $586 | $364 | $1,396 |
| 2019 Cadillac XT4 | $292 | $564 | $376 | $1,368 |
Rates are averaged for all Cadillac XT4 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 Cheaper Cadillac XT4 Insurance
Finding cheaper rates on insurance for a Cadillac XT4 consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at every other renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.
The points below are a condensed summary of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,630 more each year to insure a Cadillac XT4
- Drivers under the age of 20 pay higher rates, costing up to $426 each month if full coverage is included
- Drivers can save as much as $170 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $600 each year
- Drivers can save as much as $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,112 |
| 20 | $3,226 |
| 30 | $1,462 |
| 40 | $1,396 |
| 50 | $1,274 |
| 60 | $1,252 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,606 |
| $500 | $1,396 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,396 |
| 50/100 | $1,469 |
| 100/300 | $1,560 |
| 250/500 | $1,796 |
| 100 CSL | $1,505 |
| 300 CSL | $1,705 |
| 500 CSL | $1,851 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,328 |
| 20 | $5,136 |
| 30 | $3,100 |
| 40 | $3,028 |
| 50 | $2,886 |
| 60 | $2,862 |
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 | $76 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $67 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $607 |
Discounts are estimated and may not be available from every company or in every state.
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