Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CT4 are $1,362 every 12 months including full coverage. Comprehensive insurance costs an estimated $356 each year, collision costs $612, and liability is estimated at $284. A policy with just liability insurance costs approximately $328 a year, with coverage for high-risk drivers costing $2,930 or more. Teenage drivers pay the highest rates at $4,766 a year or more.
Average premium for full coverage: $1,362
Price estimates broken down by individual coverage:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and CT4 models.
Price Range from Low to High
For a driver in their 40's, Cadillac CT4 insurance prices go from the cheapest price of $328 for minimum levels of liability insurance to a high rate of $2,930 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location helps determine insurance prices.
The ranges above highlight why all drivers should get quotes for a targeted area and their own driving history, instead of using 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.
Additional Rate Details
The chart below breaks down estimated Cadillac CT4 insurance rates for other coverage scenarios.
- The best discount rate is $766
- Choosing higher $1,000 deductibles can save approximately $220 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,362
- Using low deductibles for comp and collision coverage costs an extra $428 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,930 or more
- The price to insure a teen driver can cost as much as $4,766 each year
Insurance prices for a Cadillac CT4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can save as much as $650 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $255 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,600 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac CT4 insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,940 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.
| 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 Shop for the Right Cadillac CT4 Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a quick rundown of the data that was covered in the charts and tables above.
- You may be able to save approximately $170 per year simply by quoting online in advance
- Policyholders who want higher liability limits will pay an extra $310 per year to raise limits from a low limit to a 250/500 level
- Teenagers are charged the highest prices, possibly costing $397 a month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,570 more annually for car insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,592 |
| $500 | $1,362 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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