Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac CT4 are $1,392 a year for full coverage insurance. Comprehensive insurance costs an estimated $368, collision costs $640, and liability costs $274. A liability-only policy costs as little as $322 a year, with high-risk insurance costing $2,996 or more. 16-year-old drivers pay the most at $4,848 a year or more.
Average premium for full coverage: $1,392
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different CT4 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac CT4 go from as low as $322 for just the minimum liability insurance to a much higher rate of $2,996 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on 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.
Additional Rate Analysis
The chart below illustrates estimated Cadillac CT4 insurance rates for other coverage scenarios.
- The best full coverage rate is $779
- Drivers who choose higher $1,000 deductibles will pay approximately $230 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,392
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $444 annually
- Drivers with multiple tickets or accidents could pay up to $2,996 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,848 a year
Auto insurance prices for a Cadillac CT4 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,800 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac CT4 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,880 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,260 | -$132 | -9.5% |
| Alaska | $1,066 | -$326 | -23.4% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,328 | -$64 | -4.6% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,742 | $350 | 25.1% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $1,002 | -$390 | -28.0% |
| Idaho | $944 | -$448 | -32.2% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,050 | -$342 | -24.6% |
| Iowa | $942 | -$450 | -32.3% |
| Kansas | $1,322 | -$70 | -5.0% |
| Kentucky | $1,898 | $506 | 36.4% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $858 | -$534 | -38.4% |
| Maryland | $1,148 | -$244 | -17.5% |
| Massachusetts | $1,112 | -$280 | -20.1% |
| Michigan | $2,418 | $1,026 | 73.7% |
| Minnesota | $1,166 | -$226 | -16.2% |
| Mississippi | $1,668 | $276 | 19.8% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,498 | $106 | 7.6% |
| Nebraska | $1,096 | -$296 | -21.3% |
| Nevada | $1,670 | $278 | 20.0% |
| New Hampshire | $1,004 | -$388 | -27.9% |
| New Jersey | $1,554 | $162 | 11.6% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,468 | $76 | 5.5% |
| North Carolina | $800 | -$592 | -42.5% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,428 | $36 | 2.6% |
| Oregon | $1,278 | -$114 | -8.2% |
| Pennsylvania | $1,328 | -$64 | -4.6% |
| Rhode Island | $1,856 | $464 | 33.3% |
| South Carolina | $1,262 | -$130 | -9.3% |
| South Dakota | $1,176 | -$216 | -15.5% |
| Tennessee | $1,218 | -$174 | -12.5% |
| Texas | $1,676 | $284 | 20.4% |
| Utah | $1,032 | -$360 | -25.9% |
| Vermont | $952 | -$440 | -31.6% |
| Virginia | $836 | -$556 | -39.9% |
| Washington | $1,074 | -$318 | -22.8% |
| West Virginia | $1,278 | -$114 | -8.2% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,238 | -$154 | -11.1% |
Opting for high physical damage deductibles could save up to $680 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can cost from 45% to 129% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Every company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT4 | $418 | $688 | $246 | $1,462 |
| 2023 Cadillac CT4 | $398 | $660 | $258 | $1,426 |
| 2022 Cadillac CT4 | $382 | $656 | $264 | $1,412 |
| 2021 Cadillac CT4 | $368 | $640 | $274 | $1,392 |
| 2020 Cadillac CT4 | $356 | $612 | $284 | $1,362 |
Rates are averaged for all Cadillac CT4 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 Right Cadillac CT4 Insurance
Finding better rates on insurance for a Cadillac CT4 not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a quick rundown of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,600 more annually than a safer driver
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $404 per month if they have full coverage
- It is possible to save approximately $180 per year simply by shopping early and online
- Increasing policy deductibles can save around $675 each year
- It is possible to save approximately $180 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,848 |
| 20 | $3,174 |
| 30 | $1,476 |
| 40 | $1,392 |
| 50 | $1,266 |
| 60 | $1,242 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,632 |
| $500 | $1,392 |
| $1,000 | $1,162 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,447 |
| 100/300 | $1,515 |
| 250/500 | $1,693 |
| 100 CSL | $1,474 |
| 300 CSL | $1,625 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,988 |
| 20 | $5,050 |
| 30 | $3,086 |
| 40 | $2,996 |
| 50 | $2,854 |
| 60 | $2,828 |
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 | $77 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $70 |
| Advance Quote | $72 |
| Online Quote | $103 |
| Total Discounts | $613 |
Discounts are estimated and may not be available from every company or in every state.
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