Cadillac XT4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 8, 2024

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Average auto insurance rates for a Cadillac XT4 are $1,396 annually for full coverage. Comprehensive costs around $310, collision insurance costs $586, and liability insurance is estimated at $364. A policy with just liability insurance costs approximately $416 a year, and coverage for high-risk drivers costs around $3,028. Teen drivers receive the highest rates at up to $5,112 a year.

Average premium for full coverage: $1,396

Rate estimates for individual coverage type:

Comprehensive $310
Collision $586
Liability $364

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different XT4 trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $416 for just the minimum liability insurance to a much higher rate of $3,028 for high-risk insurance.

Liability Only $416
Full Coverage $1,396
High Risk $3,028

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,047
Small Cities $1,466
Large Cities $1,885

These examples show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than relying on price averages.

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 Analysis

The chart below shows average Cadillac XT4 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $789
  • Choosing higher $1,000 deductibles can save about $204 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,396
  • Choosing more expensive low deductibles for comp and collision coverage will cost $1,790
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $3,028
  • The cost with full coverage for a teen driver with full coverage can be $5,112 each year

View Chart as Image

Cadillac XT4 insurance cost comparison chart
Column chart showing Cadillac XT4 insurance rates range from $789 to $5,112 for full coverage

Insurance rates for a Cadillac XT4 can also vary considerably based on the trim level of your XT4, your driver profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $600 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Cadillac XT4 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,990 on average in Michigan, Louisiana, and New York.

Cadillac XT4 Insurance Rates by State
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%

View Chart as Image

Cadillac XT4 insurance rates by U.S. city
Cadillac XT4 Insurance Rates by Model Year
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 Cadillac XT4 insurance takes being a low-risk driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a condensed summary of the material that was presented in the illustrations above.

  • Drivers who may need more liability coverage will pay about $400 each year to raise limits from a minimum limit to higher 250/500 limits
  • Teen drivers are charged the highest rates, costing as high as $426 per month if they have full coverage
  • High-risk drivers with multiple at-fault accidents pay an average of $1,630 more every year to insure their XT4
  • Increasing deductibles could save up to $600 each year

Rates by Driver Age

Cadillac XT4 Insurance 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

Cadillac XT4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,790
$250 $1,606
$500 $1,396
$1,000 $1,192

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT4 Insurance Rates with Different Liability Limits
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

Cadillac XT4 Insurance 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.

SR-22 Surcharge $198

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
Rate after discounts $789

Discounts are estimated and may not be available from every company or in every state.

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