Cadillac XT4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 8, 2024
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U.S. average auto insurance rates for a Cadillac XT4 are $1,326 annually for full coverage insurance. Comprehensive costs around $282 a year, collision costs $524, and liability is $384. Liability-only coverage costs around $432 a year, with high-risk coverage costing around $2,876. Teens pay the highest rates at $4,920 a year or more.
Average premium for full coverage: $1,326
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and XT4 trim levels.
Price Range from Low to High
For a driver around age 40, Cadillac XT4 insurance prices go from as cheap as $432 for minimum levels of liability insurance to a high of $2,876 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, 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 Details
The chart below illustrates estimated Cadillac XT4 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $754
- Raising to $1,000 deductibles will save about $1,142 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,326
- Selecting low $100 deductibles will cost $1,682
- Drivers with serious driving violations could pay at least $2,876 or more
- The price with full coverage for a 16-year-old driver can be $4,920
Auto insurance prices for a Cadillac XT4 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, 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 is expensive and can cost from 45% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Cadillac XT4 insurance prices. A middle-age driver might find prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,790 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$130 | -9.8% |
| Alaska | $1,016 | -$310 | -23.4% |
| Arizona | $1,098 | -$228 | -17.2% |
| Arkansas | $1,326 | -$0 | 0.0% |
| California | $1,510 | $184 | 13.9% |
| Colorado | $1,262 | -$64 | -4.8% |
| Connecticut | $1,358 | $32 | 2.4% |
| Delaware | $1,496 | $170 | 12.8% |
| Florida | $1,654 | $328 | 24.7% |
| Georgia | $1,224 | -$102 | -7.7% |
| Hawaii | $952 | -$374 | -28.2% |
| Idaho | $896 | -$430 | -32.4% |
| Illinois | $986 | -$340 | -25.6% |
| Indiana | $1,000 | -$326 | -24.6% |
| Iowa | $894 | -$432 | -32.6% |
| Kansas | $1,256 | -$70 | -5.3% |
| Kentucky | $1,806 | $480 | 36.2% |
| Louisiana | $1,960 | $634 | 47.8% |
| Maine | $818 | -$508 | -38.3% |
| Maryland | $1,092 | -$234 | -17.6% |
| Massachusetts | $1,054 | -$272 | -20.5% |
| Michigan | $2,298 | $972 | 73.3% |
| Minnesota | $1,110 | -$216 | -16.3% |
| Mississippi | $1,586 | $260 | 19.6% |
| Missouri | $1,176 | -$150 | -11.3% |
| Montana | $1,422 | $96 | 7.2% |
| Nebraska | $1,042 | -$284 | -21.4% |
| Nevada | $1,588 | $262 | 19.8% |
| New Hampshire | $954 | -$372 | -28.1% |
| New Jersey | $1,480 | $154 | 11.6% |
| New Mexico | $1,172 | -$154 | -11.6% |
| New York | $1,394 | $68 | 5.1% |
| North Carolina | $762 | -$564 | -42.5% |
| North Dakota | $1,084 | -$242 | -18.3% |
| Ohio | $912 | -$414 | -31.2% |
| Oklahoma | $1,358 | $32 | 2.4% |
| Oregon | $1,214 | -$112 | -8.4% |
| Pennsylvania | $1,262 | -$64 | -4.8% |
| Rhode Island | $1,764 | $438 | 33.0% |
| South Carolina | $1,200 | -$126 | -9.5% |
| South Dakota | $1,118 | -$208 | -15.7% |
| Tennessee | $1,158 | -$168 | -12.7% |
| Texas | $1,596 | $270 | 20.4% |
| Utah | $980 | -$346 | -26.1% |
| Vermont | $904 | -$422 | -31.8% |
| Virginia | $792 | -$534 | -40.3% |
| Washington | $1,022 | -$304 | -22.9% |
| West Virginia | $1,214 | -$112 | -8.4% |
| Wisconsin | $914 | -$412 | -31.1% |
| Wyoming | $1,178 | -$148 | -11.2% |
Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company calculates prices differently, and quoted prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT4 | $332 | $626 | $338 | $1,432 |
| 2023 Cadillac XT4 | $320 | $610 | $354 | $1,420 |
| 2022 Cadillac XT4 | $310 | $586 | $364 | $1,396 |
| 2021 Cadillac XT4 | $292 | $564 | $376 | $1,368 |
| 2020 Cadillac XT4 | $282 | $524 | $384 | $1,326 |
| 2019 Cadillac XT4 | $270 | $494 | $388 | $1,288 |
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 Buy Low Cost Cadillac XT4 Insurance
Getting lower rates on insurance for a Cadillac XT4 consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a review of the concepts that were covered above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,550 more every year for car insurance
- Teenagers are expensive to insure, as much as $410 a month if full coverage is included
- It is possible to save up to $160 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $550 each year
- It is possible to save up to $160 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,920 |
| 20 | $3,062 |
| 30 | $1,382 |
| 40 | $1,326 |
| 50 | $1,210 |
| 60 | $1,188 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,516 |
| $500 | $1,326 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,326 |
| 50/100 | $1,403 |
| 100/300 | $1,499 |
| 250/500 | $1,748 |
| 100 CSL | $1,441 |
| 300 CSL | $1,652 |
| 500 CSL | $1,806 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,040 |
| 20 | $4,878 |
| 30 | $2,940 |
| 40 | $2,876 |
| 50 | $2,742 |
| 60 | $2,718 |
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 | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $95 |
| Total Discounts | $572 |
Discounts are estimated and may not be available from every company or in every state.
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