Cadillac CT4 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Cadillac CT4 are $1,362 a year with full coverage. Comprehensive costs an estimated $356, collision insurance costs $612, and liability costs around $284. Liability-only insurance costs as low as $328 a year, and high-risk driver insurance costs around $2,930. 16-year-old drivers pay the highest rates at up to $4,766 a year.

Average premium for full coverage: $1,362

Price estimates broken down by individual coverage:

Comprehensive $356
Collision $612
Liability $284

Estimates include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. 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 low end price of $328 for a discount liability-only rate to the much higher price of $2,930 for a driver that may need high-risk insurance.

Liability Only $328
Full Coverage $1,362
High Risk $2,930

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,022
Small Cities $1,430
Large Cities $1,839

The ranges above demonstrate why everyone should compare prices for a targeted area, instead of making a decision based on rate 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.

Rates by State, City, and Model

The chart below details average Cadillac CT4 insurance rates for other coverage scenarios.

  • The best full coverage rate is $766
  • Using higher $1,000 deductibles will save approximately $220 annually
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,362
  • Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,790
  • High-risk insureds with multiple tickets or accidents could pay up to $2,930
  • The price that insures a 16-year-old driver for full coverage can cost as much as $4,766 or more

View Chart as Image

Cadillac CT4 insurance cost comparison chart
Column chart showing Cadillac CT4 insurance rates range from $766 to $4,766 for full coverage

Car insurance prices for a Cadillac CT4 are also quite variable based on the model of your CT4, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,100 extra each year, depending on your age. Cadillac CT4 insurance for high-risk drivers can be from 44% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

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 $980 a year in states like Utah, Ohio, and New Hampshire, or at least $1,840 on average in New York, Michigan, and Florida.

Cadillac CT4 Insurance Rates by State
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%

View Chart as Image

Cadillac CT4 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $650 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $255 extra every 12 months. View Rates by Deductible or Liability Limit

Cadillac CT4 Insurance Rates by Model Year
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 Low Cost Cadillac CT4 Insurance

Getting lower rates on insurance for a Cadillac CT4 requires not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following is a review of the data that was covered above.

  • You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
  • Insureds who want higher liability limits will pay around $310 every year to increase from a low limit to the 250/500 level
  • Teens have the highest car insurance prices, costing up to $397 a month if full coverage is purchased
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,570 more annually for CT4 insurance

Rates by Driver Age

Cadillac CT4 Insurance 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

Cadillac CT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,790
$250 $1,592
$500 $1,362
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CT4 Insurance Rates with Different Liability Limits
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

Cadillac CT4 Insurance 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.

SR-22 Surcharge $190

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
Rate after discounts $766

Discounts are estimated and may not be available from every company or in every state.

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