Cadillac XT4 Insurance Rates
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Cadillac XT4 are $1,396 a year for full coverage. Comprehensive insurance costs on average $310 a year, collision costs $586, and liability is estimated at $364. Liability-only coverage costs approximately $416 a year, with high-risk coverage costing $3,028 or more. Teenage drivers pay the highest rates at $5,112 a year or more.
Average premium for full coverage: $1,396
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and XT4 trim levels.
Price Range from Low to High
For a driver in their 40's, Cadillac XT4 insurance prices go from the low end price of $416 for a discount liability-only rate to a high of $3,028 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.
The diagram below illustrates how location helps determine car insurance rates.
The ranges above show why it is important to get quotes based on a specific location, instead of making a decision based on average rates.
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.
Rates by State, City, and Model
The chart below shows estimated Cadillac XT4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $789
- Choosing higher $1,000 deductibles can save around $1,192 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,396
- Using low $100 deductibles for comp and collision coverage will cost an additional $394 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,028 or more
- The price that insures a 16-year-old driver may cost $5,112 each year
Auto insurance prices for a Cadillac XT4 are also quite variable based on the trim level of your XT4, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 45% to 136% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Cadillac XT4 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,260 | -$136 | -9.7% |
| Alaska | $1,070 | -$326 | -23.4% |
| Arizona | $1,156 | -$240 | -17.2% |
| Arkansas | $1,396 | -$0 | 0.0% |
| California | $1,588 | $192 | 13.8% |
| Colorado | $1,330 | -$66 | -4.7% |
| Connecticut | $1,432 | $36 | 2.6% |
| Delaware | $1,576 | $180 | 12.9% |
| Florida | $1,742 | $346 | 24.8% |
| Georgia | $1,290 | -$106 | -7.6% |
| Hawaii | $1,002 | -$394 | -28.2% |
| Idaho | $946 | -$450 | -32.2% |
| Illinois | $1,038 | -$358 | -25.6% |
| Indiana | $1,054 | -$342 | -24.5% |
| Iowa | $940 | -$456 | -32.7% |
| Kansas | $1,324 | -$72 | -5.2% |
| Kentucky | $1,902 | $506 | 36.2% |
| Louisiana | $2,064 | $668 | 47.9% |
| Maine | $860 | -$536 | -38.4% |
| Maryland | $1,152 | -$244 | -17.5% |
| Massachusetts | $1,114 | -$282 | -20.2% |
| Michigan | $2,422 | $1,026 | 73.5% |
| Minnesota | $1,168 | -$228 | -16.3% |
| Mississippi | $1,670 | $274 | 19.6% |
| Missouri | $1,238 | -$158 | -11.3% |
| Montana | $1,496 | $100 | 7.2% |
| Nebraska | $1,098 | -$298 | -21.3% |
| Nevada | $1,672 | $276 | 19.8% |
| New Hampshire | $1,004 | -$392 | -28.1% |
| New Jersey | $1,560 | $164 | 11.7% |
| New Mexico | $1,234 | -$162 | -11.6% |
| New York | $1,468 | $72 | 5.2% |
| North Carolina | $802 | -$594 | -42.6% |
| North Dakota | $1,142 | -$254 | -18.2% |
| Ohio | $962 | -$434 | -31.1% |
| Oklahoma | $1,430 | $34 | 2.4% |
| Oregon | $1,278 | -$118 | -8.5% |
| Pennsylvania | $1,328 | -$68 | -4.9% |
| Rhode Island | $1,858 | $462 | 33.1% |
| South Carolina | $1,264 | -$132 | -9.5% |
| South Dakota | $1,176 | -$220 | -15.8% |
| Tennessee | $1,220 | -$176 | -12.6% |
| Texas | $1,680 | $284 | 20.3% |
| Utah | $1,030 | -$366 | -26.2% |
| Vermont | $954 | -$442 | -31.7% |
| Virginia | $834 | -$562 | -40.3% |
| Washington | $1,076 | -$320 | -22.9% |
| West Virginia | $1,278 | -$118 | -8.5% |
| Wisconsin | $962 | -$434 | -31.1% |
| Wyoming | $1,240 | -$156 | -11.2% |
Using high physical damage deductibles can save as much as $600 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| 2023 Cadillac XT4 | $346 | $630 | $332 | $1,444 |
| 2022 Cadillac XT4 | $332 | $626 | $338 | $1,432 |
| 2021 Cadillac XT4 | $320 | $610 | $354 | $1,420 |
| 2020 Cadillac XT4 | $310 | $586 | $364 | $1,396 |
| 2019 Cadillac XT4 | $292 | $564 | $376 | $1,368 |
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
Getting lower rates on insurance for a Cadillac XT4 takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.
The following items are a quick rundown of the data that was covered in the charts and tables above.
- Drivers can save as much as $170 per year simply by quoting early and online
- Insureds who require additional liability coverage will pay an extra $400 each year to raise limits from a low limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $426 a month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,630 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,112 |
| 20 | $3,226 |
| 30 | $1,462 |
| 40 | $1,396 |
| 50 | $1,274 |
| 60 | $1,252 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,606 |
| $500 | $1,396 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,396 |
| 50/100 | $1,469 |
| 100/300 | $1,560 |
| 250/500 | $1,796 |
| 100 CSL | $1,505 |
| 300 CSL | $1,705 |
| 500 CSL | $1,851 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,328 |
| 20 | $5,136 |
| 30 | $3,100 |
| 40 | $3,028 |
| 50 | $2,886 |
| 60 | $2,862 |
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 | $76 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $67 |
| Advance Quote | $71 |
| Online Quote | $101 |
| Total Discounts | $607 |
Discounts are estimated and may not be available from every company or in every state.
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