Cadillac CT4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac CT4 are $1,330 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $336, collision insurance costs $592, and liability costs around $292. A policy with just liability insurance costs as low as $336 a year, and coverage for high-risk drivers costs $2,866 or more. Teens pay the highest rates at up to $4,694 a year.
Average premium for full coverage: $1,330
Price estimates by individual coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all CT4 models.
Price Range from Low to High
For a driver around age 40, Cadillac CT4 insurance prices range from the cheapest price of $336 for just the minimum liability insurance to the much higher price of $2,866 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above illustrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based 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.
Additional Rate Analysis
The chart below illustrates average Cadillac CT4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $745
- Using higher $1,000 deductibles will save $210 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,330
- Selecting pricier low deductibles for physical damage coverage costs an extra $410 annually
- High-risk insureds with serious driving violations could pay around $2,866
- The price to insure a 16-year-old driver for full coverage can cost $4,694 or more
Insurance prices for a Cadillac CT4 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your CT4.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $620 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $263 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,100 extra each year, depending on your age. Cadillac CT4 insurance for high-risk drivers can be from 45% to 135% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac CT4 insurance prices. A driver around age 40 might see prices as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,790 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for Low Cost Cadillac CT4 Insurance
Getting lower rates on insurance for a Cadillac CT4 requires being a good driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a review of the car insurance concepts covered above.
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,540 more per year than a safer driver
- It is possible to save around $170 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $625 each year
- Insureds who purchase an increased level of liability coverage will pay approximately $320 annually to increase from a low limit to a 250/500 level
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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