Cadillac XT4 Insurance Rates

U.S. average insurance prices for a Cadillac XT4 are $1,368 every 12 months for full coverage insurance. Comprehensive costs around $292 a year, collision insurance costs $564, and liability insurance costs around $376. Liability-only coverage costs as low as $426 a year, and high-risk coverage costs around $2,976. Teenage drivers pay the highest rates at up to $5,062 a year.

Average premium for full coverage: $1,368

Price estimates for individual coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and XT4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Cadillac XT4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $773
• Using higher $1,000 deductibles will save about $1,174 each year
• The average price for the average middle-age driver using $500 deductibles is $1,368
• Using low $100 deductibles for physical damage coverage increases the price to $1,748
• Drivers who are prone to accidents and violations could pay at least $2,976
• The price to insure a teen driver can be $5,062 or more

View Chart as Image

Auto insurance prices for a Cadillac XT4 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $580 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac XT4 insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Affordable Cadillac XT4 Insurance

Getting lower rates on Cadillac XT4 insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the coverage data covered in the above illustrations.

• It is possible to save up to $170 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $575 each year
• Teenagers are expensive to insure, as much as $422 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,610 more every year for car insurance