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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The average auto insurance rates for a Cadillac XT4 are $1,368 annually with full coverage. Comprehensive costs approximately $292 a year, collision costs $564, and liability costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $2,976. Teen drivers cost the most to insure at $5,062 a year or more.

Average premium for full coverage: $1,368

Policy rates by type of insurance:

Comprehensive $292
Collision $564
Liability $376

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and XT4 trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Cadillac XT4 insurance rates go from as cheap as $426 for just liability insurance to a high of $2,976 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

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

The examples above demonstrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on price 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.

More Rate Details

The chart below details estimated Cadillac XT4 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $773
  • Drivers who choose higher $1,000 deductibles will pay $1,174 annually
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,368
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,748
  • Drivers with multiple violations and an at-fault accident could pay around $2,976 or more
  • Policy cost with full coverage for a 16-year-old driver can cost $5,062 a year

View Chart as Image

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

Car insurance rates for a Cadillac XT4 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $580 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Cadillac XT4 insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,850 on average in New York, Michigan, and Florida.

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

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy Cheaper Cadillac XT4 Insurance

Finding cheaper rates on insurance for a Cadillac XT4 not only requires being a safe and courteous driver, but also having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a condensed summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save around $170 per year simply by quoting early and online
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,610 more per year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $575 each year
  • Teenage drivers pay the highest auto insurance rates, as much as $422 each month if comprehensive and collision insurance is included

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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