Cadillac XT4 Insurance Rates

The average insurance prices for a Cadillac XT4 are $1,368 every 12 months for full coverage. Comprehensive costs an estimated $292 each year, collision insurance costs $564, and liability costs around $376. Buying just liability costs as low as $426 a year, and insurance for high-risk drivers costs around $2,976. Teens cost the most to insure at up to $5,062 a year.

Average premium for full coverage: $1,368

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and XT4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should compare prices for a targeted area 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.

Rate Comparisons

The chart below shows average Cadillac XT4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $773
• Using higher $1,000 deductibles will save approximately $194 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,368
• Selecting low deductibles for physical damage coverage increases the price to $1,748
• High-risk insureds with serious driving violations could pay up to $2,976
• Policy cost to insure a 16-year-old driver can cost as much as $5,062 or more

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Insurance rates for a Cadillac XT4 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac XT4 insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Low Cost Cadillac XT4 Insurance

Finding cheaper rates on insurance for a Cadillac XT4 requires having a good driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by requesting rates from direct carriers, and also from several local insurance agents.

The next list is a review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,610 more annually to buy Cadillac XT4 insurance
• Drivers can save approximately $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Insureds who want increased levels of liability coverage will pay approximately $410 each year to increase from a 30/60 limit to a 250/500 level