Cadillac CT4 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac CT4 are $1,330 annually for full coverage insurance. Comprehensive costs on average $336, collision costs $592, and liability coverage is estimated at $292. Liability-only coverage costs approximately $336 a year, with high-risk coverage costing around $2,866. Teen drivers receive the highest rates at $4,694 a year or more.
Average premium for full coverage: $1,330
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all CT4 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $336 for just liability insurance to the much higher price of $2,866 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why everyone should get quotes based on a specific location and their own personal driving habits, 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 estimated Cadillac CT4 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $745
- Choosing higher $1,000 deductibles can save around $210 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,330
- Choosing pricier low deductibles for comp and collision coverage will cost $1,740
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,866 or more
- The cost with full coverage for a teenage driver for full coverage may cost $4,694 each year
Car insurance rates for a Cadillac CT4 can also vary considerably based on the trim level of your CT4, your risk profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,100 extra per year, depending on your age. Cadillac CT4 insurance for high-risk drivers ranges around 45% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $620 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $263 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac CT4 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,790 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,202 | -$128 | -9.6% |
| Alaska | $1,020 | -$310 | -23.3% |
| Arizona | $1,104 | -$226 | -17.0% |
| Arkansas | $1,330 | -$0 | 0.0% |
| California | $1,514 | $184 | 13.8% |
| Colorado | $1,268 | -$62 | -4.7% |
| Connecticut | $1,366 | $36 | 2.7% |
| Delaware | $1,504 | $174 | 13.1% |
| Florida | $1,660 | $330 | 24.8% |
| Georgia | $1,228 | -$102 | -7.7% |
| Hawaii | $956 | -$374 | -28.1% |
| Idaho | $900 | -$430 | -32.3% |
| Illinois | $990 | -$340 | -25.6% |
| Indiana | $1,002 | -$328 | -24.7% |
| Iowa | $900 | -$430 | -32.3% |
| Kansas | $1,264 | -$66 | -5.0% |
| Kentucky | $1,812 | $482 | 36.2% |
| Louisiana | $1,968 | $638 | 48.0% |
| Maine | $818 | -$512 | -38.5% |
| Maryland | $1,096 | -$234 | -17.6% |
| Massachusetts | $1,060 | -$270 | -20.3% |
| Michigan | $2,310 | $980 | 73.7% |
| Minnesota | $1,114 | -$216 | -16.2% |
| Mississippi | $1,594 | $264 | 19.8% |
| Missouri | $1,180 | -$150 | -11.3% |
| Montana | $1,430 | $100 | 7.5% |
| Nebraska | $1,048 | -$282 | -21.2% |
| Nevada | $1,596 | $266 | 20.0% |
| New Hampshire | $958 | -$372 | -28.0% |
| New Jersey | $1,484 | $154 | 11.6% |
| New Mexico | $1,176 | -$154 | -11.6% |
| New York | $1,400 | $70 | 5.3% |
| North Carolina | $764 | -$566 | -42.6% |
| North Dakota | $1,088 | -$242 | -18.2% |
| Ohio | $918 | -$412 | -31.0% |
| Oklahoma | $1,364 | $34 | 2.6% |
| Oregon | $1,220 | -$110 | -8.3% |
| Pennsylvania | $1,266 | -$64 | -4.8% |
| Rhode Island | $1,772 | $442 | 33.2% |
| South Carolina | $1,204 | -$126 | -9.5% |
| South Dakota | $1,122 | -$208 | -15.6% |
| Tennessee | $1,164 | -$166 | -12.5% |
| Texas | $1,602 | $272 | 20.5% |
| Utah | $986 | -$344 | -25.9% |
| Vermont | $908 | -$422 | -31.7% |
| Virginia | $798 | -$532 | -40.0% |
| Washington | $1,026 | -$304 | -22.9% |
| West Virginia | $1,220 | -$110 | -8.3% |
| Wisconsin | $920 | -$410 | -30.8% |
| Wyoming | $1,182 | -$148 | -11.1% |
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac CT4 | $382 | $656 | $264 | $1,412 |
| 2023 Cadillac CT4 | $368 | $640 | $274 | $1,392 |
| 2022 Cadillac CT4 | $356 | $612 | $284 | $1,362 |
| 2021 Cadillac CT4 | $336 | $592 | $292 | $1,330 |
| 2020 Cadillac CT4 | $324 | $548 | $298 | $1,280 |
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 Buy the Right Cadillac CT4 Insurance
Saving money on auto insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a quick rundown of the car insurance concepts raised in the charts and tables above.
- Drivers with reckless driving or DUI convictions may pay on average $1,540 more each year than a low-risk driver
- It is possible to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $625 each year
- Consumers who require more liability protection will pay about $320 annually to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,694 |
| 20 | $3,038 |
| 30 | $1,406 |
| 40 | $1,330 |
| 50 | $1,210 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,740 |
| $250 | $1,550 |
| $500 | $1,330 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,330 |
| 50/100 | $1,388 |
| 100/300 | $1,461 |
| 250/500 | $1,651 |
| 100 CSL | $1,418 |
| 300 CSL | $1,578 |
| 500 CSL | $1,695 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,756 |
| 20 | $4,836 |
| 30 | $2,948 |
| 40 | $2,866 |
| 50 | $2,730 |
| 60 | $2,704 |
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 | $73 |
| Multi-vehicle | $68 |
| Homeowner | $18 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $66 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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