Cadillac XT4 Insurance Rates
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UPDATED: Apr 8, 2024
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Estimated insurance rates for a Cadillac XT4 are $1,368 a year for full coverage insurance. Comprehensive costs around $292 a year, collision costs $564, and liability is $376. Liability-only insurance costs around $426 a year, with high-risk driver insurance costing around $2,976. Teens pay the most at $5,062 a year or more.
Average premium for full coverage: $1,368
Premium estimates for type of coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and XT4 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac XT4 go from the low end price of $426 for just the minimum liability insurance to a high of $2,976 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why it is important to compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.
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 illustrates estimated Cadillac XT4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $773
- Raising to $1,000 deductibles will save about $1,174 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,368
- Selecting low $100 deductibles bumps up the cost to $1,748
- Drivers with serious driving violations could pay at least $2,976 or more
- An auto insurance policy that insures a 16-year-old driver can be $5,062
Insurance prices for a Cadillac XT4 also have a wide range based on the trim level of your XT4, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac XT4 insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,850 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $580 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company calculates prices differently, and prices will be substantially different.
| 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 Find the Right Cadillac XT4 Insurance
Finding better rates on insurance for a Cadillac XT4 consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every other policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.
The points below are a quick rundown of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 are charged the highest prices, with premiums being up to $422 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,610 more every year to insure a Cadillac XT4
- Increasing policy deductibles can save approximately $575 each year
- It is possible to save up to $170 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,572 |
| $500 | $1,368 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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