Cadillac XT4 Insurance Rates
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UPDATED: Apr 8, 2024
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U.S. average insurance rates for a Cadillac XT4 are $1,396 a year for full coverage insurance. Comprehensive costs an estimated $310 each year, collision costs $586, and liability insurance is $364. Buying just liability costs around $416 a year, with insurance for high-risk drivers costing around $3,028. Teens pay the highest rates at $5,112 a year or more.
Average premium for full coverage: $1,396
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and XT4 models.
Price Range from Low to High
For a 40-year-old driver, Cadillac XT4 insurance prices go from as low as $416 for a discount liability-only rate to a high rate of $3,028 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how your location can change insurance prices.
The ranges above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on 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.
Rates by State, City, and Model
The chart below illustrates estimated Cadillac XT4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $789
- Raising to $1,000 deductibles will save approximately $204 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,396
- Selecting low deductibles will increase the cost to $1,790
- Higher-risk drivers with serious driving violations could pay up to $3,028 or more
- The price for full coverage for a teen driver can cost as much as $5,112
Insurance prices for a Cadillac XT4 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age
The state you live in also has a big influence on Cadillac XT4 insurance rates. A middle-age driver might find prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,880 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 136% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and prices may be quite different from one company to the next.
| 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 Find More Affordable Cadillac XT4 Insurance
Getting lower rates on Cadillac XT4 insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a summary of the ideas that were illustrated above.
- Drivers under the age of 20 are expensive to insure, as much as $426 a month including comprehensive and collision insurance
- High-risk drivers who have multiple accidents or major violations pay on average $1,630 more annually to insure a Cadillac XT4
- Increasing physical damage deductibles can save around $600 each year
- It is possible to save approximately $170 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,790 |
| $250 | $1,606 |
| $500 | $1,396 |
| $1,000 | $1,192 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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