Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac CT4 are $1,362 a year including full coverage. Comprehensive insurance costs approximately $356 a year, collision insurance costs $612, and liability is $284. A policy with just liability insurance costs around $328 a year, and coverage for high-risk drivers costs $2,930 or more. Teen drivers receive the highest rates at up to $4,766 a year.
Average premium for full coverage: $1,362
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and CT4 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $328 for just liability insurance to a high of $2,930 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.
These examples highlight why it is important to compare rates quotes using their specific location and risk profile, instead of 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 breaks down average Cadillac CT4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $766
- Raising to $1,000 deductibles will save $1,142 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,362
- Choosing low $100 deductibles will cost an extra $428 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,930
- The cost for full coverage for a teen driver can cost $4,766
Insurance rates for a Cadillac CT4 can also vary considerably based on your driver profile, the model of your CT4, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live also has a big influence on Cadillac CT4 insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
Choosing high deductibles can reduce rates by up to $650 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $255 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates
| 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 Affordable Cadillac CT4 Insurance
Saving money on car insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around every other policy renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The points below are a brief review of the ideas that were touched on above.
- Drivers under the age of 20 are the costliest to insure, as much as $397 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,570 more per year to insure a Cadillac CT4
- Increasing deductibles can save around $650 each year
- You may be able to save around $170 per year just by quoting early and online
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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