Cadillac XT4 Insurance Rates
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UPDATED: Apr 8, 2024
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Estimated insurance rates for a Cadillac XT4 are $1,396 a year with full coverage. Comprehensive insurance costs around $310, collision costs $586, and liability coverage is $364. A policy with only liability insurance costs around $416 a year, with a high-risk policy costing $3,028 or more. 16-year-old drivers pay the most at $5,112 a year or more.
Average premium for full coverage: $1,396
Premium estimates for type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all XT4 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac XT4 go from the low end price of $416 for a discount liability-only rate to the much higher price of $3,028 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code, rather than using rate 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 details estimated Cadillac XT4 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $789
- Raising to $1,000 deductibles will save about $204 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,396
- Buying pricier low deductibles will cost an additional $394 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,028 or more
- An auto insurance policy that insures a teenage driver for full coverage can be $5,112
Car insurance prices for a Cadillac XT4 also have a wide range based on the model of your XT4, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,700 to $2,300 extra annually, depending on your age. Cadillac XT4 insurance for high-risk drivers is expensive and can cost around 45% to 136% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,100 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac XT4 insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,880 on average in Florida, Michigan, 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% |
Opting for high physical damage deductibles can reduce prices by up to $600 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
| 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 Find the Best Cheap Cadillac XT4 Insurance
Finding better rates on auto insurance consists of having a decent driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Comparison shop at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The following items are a quick review of the data touched on in the above illustrations.
- Consumers who may need additional liability coverage will pay around $400 every year to raise from 30/60 bodily injury limits to the 250/500 level
- You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $600 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $426 per month if full coverage is purchased
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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