Cadillac CT4 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac CT4 are $1,392 a year with full coverage. Comprehensive costs approximately $368, collision insurance costs $640, and liability insurance costs around $274. Liability-only insurance costs as low as $322 a year, and high-risk driver insurance costs around $2,996. Teens cost the most to insure at up to $4,848 a year.
Average premium for full coverage: $1,392
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all CT4 models.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac CT4 insurance rates range from as low as $322 for your basic liability-only policy to the much higher price of $2,996 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying on averaged prices.
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 Information
The chart below details average Cadillac CT4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $779
- Using higher $1,000 deductibles will save $230 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,392
- Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,836
- Drivers with serious driving violations could pay around $2,996
- Policy cost for full coverage for a teen driver for full coverage can cost $4,848 or more
Auto insurance rates for a Cadillac CT4 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age
Your home state has a huge impact on Cadillac CT4 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,880 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $680 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $246 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Cadillac CT4 insurance for high-risk drivers can be anywhere from 45% to 129% more than the average policy. View High Risk Driver Rates
| 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 More Affordable Cadillac CT4 Insurance
Finding cheaper rates on Cadillac CT4 insurance requires being a safe and courteous driver, having good credit, not filing small claims, and possibly higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a summary of the material that was raised in the charts and tables above.
- Drivers who purchase higher levels of liability will pay approximately $300 every year to increase from a 30/60 limit to 250/500 limits
- Teenage drivers have the highest car insurance rates, as much as $404 each month if they have full coverage
- High-risk drivers who have multiple accidents or major violations pay on average $1,600 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save around $675 each year
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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