Cadillac XT4 Insurance Rates

Average insurance prices for a Cadillac XT4 are $1,368 every 12 months for full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $564, and liability coverage is $376. A liability-only policy costs around $426 a year, and high-risk insurance costs $2,976 or more. Teens receive the highest rates at up to $5,062 a year.

Average premium for full coverage: $1,368

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for different XT4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below shows average Cadillac XT4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $773
• Raising to $1,000 deductibles will save $194 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,368
• Selecting more expensive low deductibles costs an extra $380 each year
• Unlucky drivers with serious driving violations could pay around $2,976
• The cost to insure a teenage driver with full coverage can cost $5,062

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Insurance rates for a Cadillac XT4 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your XT4.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Cadillac XT4 insurance rates. A middle-age driver might find 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.

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How to Shop for the Best Cheap Cadillac XT4 Insurance

Saving money on auto insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers with a DUI or reckless driving violation may pay on average $1,610 more per year than a safer driver
• Drivers can save around $170 per year just by shopping early and online
• Increasing deductibles could save as much as $575 each year
• Consumers who purchase an increased level of liability coverage will pay approximately $410 each year to raise from a minimum limit to a 250/500 level