Cadillac CT4 Insurance Rates

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2020 Cadillac CT4 Insurance Quotes in 2025 – 8 Tricks for Best Rates

Looking for the cheapest insurance coverage rates for your Cadillac CT4? Have you had enough of sacrificing other expenses to keep your car insured? You're in the same situation as the majority of other consumers. Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings with fancy advertisements and consumers find it hard to ignore the flashy ads and do the work n...

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac CT4 are $1,362 a year for full coverage insurance. Comprehensive costs on average $356 a year, collision insurance costs $612, and liability coverage costs around $284. A policy with just liability insurance costs as low as $328 a year, and coverage for high-risk drivers costs around $2,930. Teen drivers pay the highest rates at up to $4,766 a year.

Average premium for full coverage: $1,362

Price estimates by individual coverage:

Comprehensive $356
Collision $612
Liability $284

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and CT4 trim levels.

Price Range from Low to High

For a driver around age 40, Cadillac CT4 insurance prices range from as low as $328 for just liability insurance to a high of $2,930 for high-risk insurance.

Liability Only $328
Full Coverage $1,362
High Risk $2,930

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,022
Small Cities $1,430
Large Cities $1,839

The ranges above illustrate why it is important to compare prices based on a specific location and risk profile, rather than using price 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.

More Rate Details

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

  • The lowest rate with discounts is $766
  • Using higher $1,000 deductibles will save around $1,142 each year
  • The average rate for the average middle-age driver with $500 deductibles is $1,362
  • Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,790
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,930
  • The price for full coverage for a teenage driver may cost $4,766 or more

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing Cadillac CT4 insurance rates range from $766 to $4,766 for full coverage

Insurance prices for a Cadillac CT4 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Cadillac CT4 insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,840 on average in Michigan, New York, and Florida.

Cadillac CT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,232 -$130 -9.5%
Alaska $1,044 -$318 -23.3%
Arizona $1,132 -$230 -16.9%
Arkansas $1,362 -$0 0.0%
California $1,550 $188 13.8%
Colorado $1,300 -$62 -4.6%
Connecticut $1,400 $38 2.8%
Delaware $1,540 $178 13.1%
Florida $1,700 $338 24.8%
Georgia $1,258 -$104 -7.6%
Hawaii $980 -$382 -28.0%
Idaho $924 -$438 -32.2%
Illinois $1,016 -$346 -25.4%
Indiana $1,026 -$336 -24.7%
Iowa $920 -$442 -32.5%
Kansas $1,294 -$68 -5.0%
Kentucky $1,856 $494 36.3%
Louisiana $2,018 $656 48.2%
Maine $838 -$524 -38.5%
Maryland $1,124 -$238 -17.5%
Massachusetts $1,086 -$276 -20.3%
Michigan $2,364 $1,002 73.6%
Minnesota $1,142 -$220 -16.2%
Mississippi $1,632 $270 19.8%
Missouri $1,208 -$154 -11.3%
Montana $1,462 $100 7.3%
Nebraska $1,072 -$290 -21.3%
Nevada $1,632 $270 19.8%
New Hampshire $982 -$380 -27.9%
New Jersey $1,520 $158 11.6%
New Mexico $1,204 -$158 -11.6%
New York $1,434 $72 5.3%
North Carolina $782 -$580 -42.6%
North Dakota $1,116 -$246 -18.1%
Ohio $940 -$422 -31.0%
Oklahoma $1,396 $34 2.5%
Oregon $1,250 -$112 -8.2%
Pennsylvania $1,298 -$64 -4.7%
Rhode Island $1,816 $454 33.3%
South Carolina $1,234 -$128 -9.4%
South Dakota $1,150 -$212 -15.6%
Tennessee $1,192 -$170 -12.5%
Texas $1,640 $278 20.4%
Utah $1,010 -$352 -25.8%
Vermont $930 -$432 -31.7%
Virginia $818 -$544 -39.9%
Washington $1,050 -$312 -22.9%
West Virginia $1,250 -$112 -8.2%
Wisconsin $942 -$420 -30.8%
Wyoming $1,210 -$152 -11.2%

View Chart as Image

Cadillac CT4 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $650 a year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $255 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than average. View High Risk Driver Rates

Cadillac CT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac CT4 $398 $660 $258 $1,426
2023 Cadillac CT4 $382 $656 $264 $1,412
2022 Cadillac CT4 $368 $640 $274 $1,392
2021 Cadillac CT4 $356 $612 $284 $1,362
2020 Cadillac CT4 $336 $592 $292 $1,330

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 More Affordable Cadillac CT4 Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates every couple of years by getting price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a summary of the material that was covered above.

  • Consumers who require higher liability limits will pay about $310 annually to increase from a low limit to 250/500 limits
  • Teens pay the highest prices, as much as $397 a month for full coverage
  • Drivers who have multiple accidents or major violations pay an average of $1,570 more each year for CT4 insurance
  • Increasing physical damage deductibles can save around $650 each year

Rates by Driver Age

Cadillac CT4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,766
20 $3,102
30 $1,442
40 $1,362
50 $1,240
60 $1,216

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,790
$250 $1,592
$500 $1,362
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,362
50/100 $1,419
100/300 $1,490
250/500 $1,674
100 CSL $1,447
300 CSL $1,603
500 CSL $1,717

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CT4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,864
20 $4,938
30 $3,016
40 $2,930
50 $2,792
60 $2,764

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.

SR-22 Surcharge $190

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $69
Homeowner $18
5-yr Accident Free $107
5-yr Claim Free $89
Paid in Full/EFT $68
Advance Quote $70
Online Quote $100
Total Discounts $596
Rate after discounts $766

Discounts are estimated and may not be available from every company or in every state.

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