Cadillac XT4 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Cadillac XT4 are $1,326 a year including full coverage. Comprehensive insurance costs an estimated $282, collision insurance costs $524, and liability costs $384. A policy with just liability insurance costs as little as $432 a year, and coverage for high-risk drivers costs $2,876 or more. Teens pay the highest rates at up to $4,920 a year.
Average premium for full coverage: $1,326
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different XT4 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Cadillac XT4 insurance prices range from as low as $432 for basic liability insurance to a much higher rate of $2,876 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using 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.
Rate Comparisons
The chart below breaks down average Cadillac XT4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $754
- Drivers who choose higher $1,000 deductibles will pay approximately $184 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,326
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $356 every year
- Higher-risk drivers with serious driving violations could pay up to $2,876
- The price for full coverage for a teen driver with full coverage can cost as much as $4,920 a year
Insurance prices for a Cadillac XT4 are also quite variable based on your driving record, the model of your XT4, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age
The state you live in makes a big difference in Cadillac XT4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,890 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 45% to 135% more than the average policy. View High Risk Driver Rates
| 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 Find Low Cost Cadillac XT4 Insurance
Getting lower rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a review of the ideas that were touched on in this article.
- Drivers under the age of 20 are charged the highest prices, possibly costing $410 a month for full coverage
- Higher risk drivers who have several accidents or serious violations may pay on average $1,550 more annually to insure a Cadillac XT4
- Increasing physical damage deductibles can save around $550 each year
- You may be able to save approximately $160 per year just by shopping 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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