Cadillac XT4 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 8, 2024
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The average insurance rates for a Cadillac XT4 are $1,368 a year for full coverage insurance. Comprehensive costs around $292 a year, collision costs $564, and liability is estimated at $376. A liability-only policy costs approximately $426 a year, with high-risk insurance costing around $2,976. Teenage drivers cost the most to insure at $5,062 a year or more.
Average premium for full coverage: $1,368
Policy rates for type of insurance:
Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and XT4 trim levels.
Price Range Variability
For a driver around age 40, Cadillac XT4 insurance rates go from the low end price of $426 for minimum levels of liability insurance to a high of $2,976 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code, 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.
Additional Rate Details
The chart below illustrates estimated Cadillac XT4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $773
- Choosing higher $1,000 deductibles can save about $1,174 each year
- The estimated price for a good driver age 40 using $500 deductibles is $1,368
- Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,748
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,976 or more
- Policy cost that insures a 16-year-old driver can be $5,062 each year
Car insurance rates for a Cadillac XT4 also range considerably based on the trim level of your XT4, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac XT4 insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can save as much as $580 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.
| 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 Find Cheaper Cadillac XT4 Insurance
Finding cheaper rates on insurance for a Cadillac XT4 takes having a good driving record, having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices every couple of years by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a condensed summary of the material that was covered above.
- Insureds who may need increased levels of liability coverage will pay an extra $410 annually to raise limits from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, possibly costing $422 each month if full coverage is purchased
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,610 more every year to buy Cadillac XT4 insurance
- Increasing comprehensive and collision deductibles can save approximately $575 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,572 |
| $500 | $1,368 |
| $1,000 | $1,174 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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