Cadillac XT4 Insurance Rates
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UPDATED: Apr 8, 2024
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Average auto insurance rates for a Cadillac XT4 are $1,368 annually for full coverage insurance. Comprehensive insurance costs around $292, collision costs $564, and liability coverage costs $376. A policy with just liability insurance costs as little as $426 a year, with coverage for high-risk drivers costing $2,976 or more. Teenage drivers receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,368
Rate estimates for individual coverage type:
Price estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different XT4 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $426 for minimum levels of liability insurance to a much higher rate of $2,976 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using 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
- Drivers who choose higher $1,000 deductibles will pay about $194 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,368
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $380 each year
- High-risk insureds who are prone to accidents and violations could pay at least $2,976 or more
- The cost with full coverage for a teenage driver with full coverage can be $5,062 a year
Insurance rates for a Cadillac XT4 can also vary considerably based on the trim level of your XT4, your risk profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $580 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Cadillac XT4 insurance rates. A 40-year-old driver 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% |
With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different between companies.
| 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 Buy Cheaper Cadillac XT4 Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following is a condensed summary of the primary concepts that were touched on in this article.
- It is possible to save up to $170 per year simply by shopping early and online
- Drivers with multiple at-fault accidents pay on average $1,610 more every year for XT4 insurance
- Increasing deductibles could save up to $575 each year
- Teens are charged the highest rates, costing up to $422 per month if they have full coverage
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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