Cadillac XT4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Cadillac XT4 are $1,368 a year with full coverage. Comprehensive insurance costs an estimated $292, collision costs $564, and liability costs $376. Buying just liability costs as little as $426 a year, with insurance for high-risk drivers costing $2,976 or more. Teens pay the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,368
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all XT4 models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac XT4 insurance prices go from as low as $426 for just liability coverage to the much higher price of $2,976 for a high-risk driver policy.
Geographic Price Range
Your location can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates how where you live affects insurance prices.
The ranges above demonstrate why everyone should compare rates for a targeted area and risk profile, instead of using averaged prices.
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.
Detailed Rate Analysis
The chart below details estimated Cadillac XT4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $773
- Drivers who choose higher $1,000 deductibles will pay approximately $194 annually
- The average rate for the average middle-age driver who has $500 deductibles is $1,368
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $380 every year
- Higher-risk drivers with serious driving violations could pay up to $2,976 or more
- The price for full coverage for a teen driver for full coverage can cost as much as $5,062 a year
Insurance prices for a Cadillac XT4 are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,000 a year. View Rates by Age
The state you live in makes a big difference in Cadillac XT4 insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,236 | -$132 | -9.6% |
| Alaska | $1,048 | -$320 | -23.4% |
| Arizona | $1,134 | -$234 | -17.1% |
| Arkansas | $1,368 | -$0 | 0.0% |
| California | $1,560 | $192 | 14.0% |
| Colorado | $1,308 | -$60 | -4.4% |
| Connecticut | $1,404 | $36 | 2.6% |
| Delaware | $1,546 | $178 | 13.0% |
| Florida | $1,710 | $342 | 25.0% |
| Georgia | $1,266 | -$102 | -7.5% |
| Hawaii | $984 | -$384 | -28.1% |
| Idaho | $926 | -$442 | -32.3% |
| Illinois | $1,018 | -$350 | -25.6% |
| Indiana | $1,032 | -$336 | -24.6% |
| Iowa | $924 | -$444 | -32.5% |
| Kansas | $1,300 | -$68 | -5.0% |
| Kentucky | $1,864 | $496 | 36.3% |
| Louisiana | $2,024 | $656 | 48.0% |
| Maine | $844 | -$524 | -38.3% |
| Maryland | $1,130 | -$238 | -17.4% |
| Massachusetts | $1,092 | -$276 | -20.2% |
| Michigan | $2,376 | $1,008 | 73.7% |
| Minnesota | $1,144 | -$224 | -16.4% |
| Mississippi | $1,638 | $270 | 19.7% |
| Missouri | $1,216 | -$152 | -11.1% |
| Montana | $1,468 | $100 | 7.3% |
| Nebraska | $1,076 | -$292 | -21.3% |
| Nevada | $1,640 | $272 | 19.9% |
| New Hampshire | $986 | -$382 | -27.9% |
| New Jersey | $1,528 | $160 | 11.7% |
| New Mexico | $1,210 | -$158 | -11.5% |
| New York | $1,440 | $72 | 5.3% |
| North Carolina | $788 | -$580 | -42.4% |
| North Dakota | $1,122 | -$246 | -18.0% |
| Ohio | $944 | -$424 | -31.0% |
| Oklahoma | $1,404 | $36 | 2.6% |
| Oregon | $1,254 | -$114 | -8.3% |
| Pennsylvania | $1,302 | -$66 | -4.8% |
| Rhode Island | $1,826 | $458 | 33.5% |
| South Carolina | $1,240 | -$128 | -9.4% |
| South Dakota | $1,154 | -$214 | -15.6% |
| Tennessee | $1,198 | -$170 | -12.4% |
| Texas | $1,648 | $280 | 20.5% |
| Utah | $1,012 | -$356 | -26.0% |
| Vermont | $934 | -$434 | -31.7% |
| Virginia | $820 | -$548 | -40.1% |
| Washington | $1,056 | -$312 | -22.8% |
| West Virginia | $1,254 | -$114 | -8.3% |
| Wisconsin | $944 | -$424 | -31.0% |
| Wyoming | $1,216 | -$152 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $580 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,600 to $2,200 additional each year, depending on your age. Cadillac XT4 insurance for high-risk drivers can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company calculates prices differently, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT4 | $346 | $630 | $332 | $1,444 |
| 2023 Cadillac XT4 | $332 | $626 | $338 | $1,432 |
| 2022 Cadillac XT4 | $320 | $610 | $354 | $1,420 |
| 2021 Cadillac XT4 | $310 | $586 | $364 | $1,396 |
| 2020 Cadillac XT4 | $292 | $564 | $376 | $1,368 |
| 2019 Cadillac XT4 | $282 | $524 | $384 | $1,326 |
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 Find the Best Cheap Cadillac XT4 Insurance
Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a quick review of the information touched on in the above illustrations.
- You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
- Youthful drivers are expensive to insure, costing up to $422 a month including comprehensive and collision insurance
- Increasing physical damage deductibles can save around $575 each year
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,610 more annually than a low-risk driver
- Policyholders who want more liability protection will pay approximately $410 every year to go from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,062 |
| 20 | $3,170 |
| 30 | $1,434 |
| 40 | $1,368 |
| 50 | $1,250 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,572 |
| $500 | $1,368 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,368 |
| 50/100 | $1,443 |
| 100/300 | $1,537 |
| 250/500 | $1,782 |
| 100 CSL | $1,481 |
| 300 CSL | $1,688 |
| 500 CSL | $1,838 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,246 |
| 20 | $5,054 |
| 30 | $3,046 |
| 40 | $2,976 |
| 50 | $2,840 |
| 60 | $2,814 |
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 | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $595 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
