Cadillac XT4 Insurance Rates

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2019 Cadillac XT4 Car Insurance Rates in 2025 – 10 Tricks for Best Quotes

Are you tired of wondering where the money will come from to insure your Cadillac every month? You're in the same situation as most other drivers. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with TV and radio ads and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal. It's a good idea to sho...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 8, 2024

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U.S. average insurance prices for a Cadillac XT4 are $1,368 every 12 months with full coverage. Comprehensive costs around $292 a year, collision insurance costs $564, and liability costs around $376. A policy with just liability insurance costs as low as $426 a year, and coverage for high-risk drivers costs around $2,976. 16-year-old drivers pay the highest rates at up to $5,062 a year.

Average premium for full coverage: $1,368

Price estimates for individual coverage:

Comprehensive $292
Collision $564
Liability $376

These estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and XT4 trim levels.

Price Range from Low to High

For the average driver, Cadillac XT4 insurance prices range from the cheapest price of $426 for just the minimum liability insurance to a high of $2,976 for a driver that may need high-risk insurance.

Liability Only $426
Full Coverage $1,368
High Risk $2,976

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $1,026
Small Cities $1,436
Large Cities $1,847

The ranges above demonstrate why it is important to compare prices for a specific zip code and their own driving history, instead of using 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.

Additional Rate Analysis

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

  • The best full coverage rate is $773
  • Using higher $1,000 deductibles will save about $1,174 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,368
  • Buying low $100 deductibles for physical damage coverage increases the price to $1,748
  • Drivers with multiple tickets or accidents could pay at least $2,976
  • The price to insure a teen driver can be $5,062 or more

View Chart as Image

Cadillac XT4 insurance cost comparison chart
Column chart showing Cadillac XT4 insurance rates range from $773 to $5,062 for full coverage

Insurance prices for a Cadillac XT4 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

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

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect 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 may be forking out at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac XT4 insurance prices. A driver around age 40 might see prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.

Cadillac XT4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,236 -$132 -9.6%
Alaska $1,048 -$320 -23.4%
Arizona $1,134 -$234 -17.1%
Arkansas $1,368 -$0 0.0%
California $1,560 $192 14.0%
Colorado $1,308 -$60 -4.4%
Connecticut $1,404 $36 2.6%
Delaware $1,546 $178 13.0%
Florida $1,710 $342 25.0%
Georgia $1,266 -$102 -7.5%
Hawaii $984 -$384 -28.1%
Idaho $926 -$442 -32.3%
Illinois $1,018 -$350 -25.6%
Indiana $1,032 -$336 -24.6%
Iowa $924 -$444 -32.5%
Kansas $1,300 -$68 -5.0%
Kentucky $1,864 $496 36.3%
Louisiana $2,024 $656 48.0%
Maine $844 -$524 -38.3%
Maryland $1,130 -$238 -17.4%
Massachusetts $1,092 -$276 -20.2%
Michigan $2,376 $1,008 73.7%
Minnesota $1,144 -$224 -16.4%
Mississippi $1,638 $270 19.7%
Missouri $1,216 -$152 -11.1%
Montana $1,468 $100 7.3%
Nebraska $1,076 -$292 -21.3%
Nevada $1,640 $272 19.9%
New Hampshire $986 -$382 -27.9%
New Jersey $1,528 $160 11.7%
New Mexico $1,210 -$158 -11.5%
New York $1,440 $72 5.3%
North Carolina $788 -$580 -42.4%
North Dakota $1,122 -$246 -18.0%
Ohio $944 -$424 -31.0%
Oklahoma $1,404 $36 2.6%
Oregon $1,254 -$114 -8.3%
Pennsylvania $1,302 -$66 -4.8%
Rhode Island $1,826 $458 33.5%
South Carolina $1,240 -$128 -9.4%
South Dakota $1,154 -$214 -15.6%
Tennessee $1,198 -$170 -12.4%
Texas $1,648 $280 20.5%
Utah $1,012 -$356 -26.0%
Vermont $934 -$434 -31.7%
Virginia $820 -$548 -40.1%
Washington $1,056 -$312 -22.8%
West Virginia $1,254 -$114 -8.3%
Wisconsin $944 -$424 -31.0%
Wyoming $1,216 -$152 -11.1%

View Chart as Image

Cadillac XT4 insurance rates by U.S. city
Cadillac XT4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac XT4 $346 $630 $332 $1,444
2023 Cadillac XT4 $332 $626 $338 $1,432
2022 Cadillac XT4 $320 $610 $354 $1,420
2021 Cadillac XT4 $310 $586 $364 $1,396
2020 Cadillac XT4 $292 $564 $376 $1,368
2019 Cadillac XT4 $282 $524 $384 $1,326

Rates are averaged for all Cadillac XT4 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 Cheap Cadillac XT4 Insurance

Getting lower rates on car insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the data that was touched on above.

  • You may be able to save up to $170 per year just by quoting early and online
  • Policyholders who may need an increased level of liability coverage will pay around $410 every year to increase from a low limit to a 250/500 level
  • Drivers age 16 to 20 pay higher prices, costing up to $422 a month if they have full coverage
  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,610 more every year than a safer driver

Rates by Driver Age

Cadillac XT4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,062
20 $3,170
30 $1,434
40 $1,368
50 $1,250
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,572
$500 $1,368
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,368
50/100 $1,443
100/300 $1,537
250/500 $1,782
100 CSL $1,481
300 CSL $1,688
500 CSL $1,838

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,246
20 $5,054
30 $3,046
40 $2,976
50 $2,840
60 $2,814

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 $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $90
Paid in Full/EFT $65
Advance Quote $70
Online Quote $99
Total Discounts $595
Rate after discounts $773

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

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