Cadillac XT4 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 8, 2024
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Average insurance rates for a Cadillac XT4 are $1,368 a year including full coverage. Comprehensive costs approximately $292, collision costs $564, and liability is estimated at $376. Buying just liability costs approximately $426 a year, with insurance for high-risk drivers costing around $2,976. Teenage drivers receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,368
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all XT4 models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $426 for a discount liability-only rate to the much higher price of $2,976 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates how location impacts auto insurance prices.
These examples highlight why everyone should get quotes using their 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 breaks down estimated Cadillac XT4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $773
- Choosing higher $1,000 deductibles can save $194 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,368
- Using pricier low 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 around $2,976 or more
- The cost that insures a 16-year-old driver for full coverage can cost $5,062 each year
Auto insurance rates for a Cadillac XT4 can also vary considerably based on the model of your XT4, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Cadillac XT4 insurance for high-risk drivers ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac XT4 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, New York, and Michigan.
| 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, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.
| 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 the Best Cheap Cadillac XT4 Insurance
Saving money on insurance for a Cadillac XT4 takes being safe and accident-free, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
Below you'll find a quick review of the data that was touched on above.
- You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
- Insureds who purchase more liability protection will pay an extra $410 per year to raise limits from a minimum limit to the 250/500 level
- Youthful drivers have the highest car insurance rates, as much as $422 per month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,610 more per year than a low-risk driver
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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