Cadillac CT4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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The average auto insurance rates for a Cadillac CT4 are $1,362 annually with full coverage. Comprehensive costs approximately $356 a year, collision costs $612, and liability insurance is estimated at $284. Liability-only insurance costs approximately $328 a year, with high-risk driver insurance costing around $2,930. Teenage drivers cost the most to insure at $4,766 a year or more.

Average premium for full coverage: $1,362

Policy rates by type of insurance:

Comprehensive $356
Collision $612
Liability $284

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and CT4 trim levels.

Price Range Variability

For the average 40-year-old driver, Cadillac CT4 insurance rates go from as cheap as $328 for liability-only coverage to a high of $2,930 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

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

The examples above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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 Charts and Tables

The chart below details estimated Cadillac CT4 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $766
  • Choosing higher $1,000 deductibles can save $1,142 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,362
  • Using low $100 deductibles for comp and collision coverage will cost $1,790
  • High-risk insureds who are prone to accidents and violations could pay around $2,930 or more
  • Policy cost with full coverage for a teen driver can cost $4,766 each year

View Chart as Image

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

Auto insurance rates for a Cadillac CT4 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $650 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $255 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Cadillac CT4 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

Cadillac CT4 Insurance Rates by Model Year
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 Buy Cheaper Cadillac CT4 Insurance

Finding cheaper rates on Cadillac CT4 insurance takes being safe and accident-free, having above-average credit, not filing small claims, and not having any coverage lapses. Make time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save around $170 per year simply by quoting early and online
  • High-risk drivers with multiple at-fault accidents may pay on average $1,570 more per year than a low-risk driver
  • Increasing comprehensive and collision deductibles could save up to $650 each year
  • Youthful drivers have the highest car insurance rates, as much as $397 each month if full coverage is included

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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