Cadillac CT4 Car Insurance Cost 2025
To find the most affordable insurance rates for your Cadillac CT4, it’s best to shop around and compare quotes from various auto insurance providers. Insuranceopedia makes this easy by offering a tool to compare quotes from multiple companies directly on their website.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Cadillac CT4, it’s essential to consider the cost of insurance. Insurance is a significant aspect of owning a car, and it’s important to understand what you’re committing to before making a purchase. On average, insurance for a Cadillac CT4 costs $2,842 per year.
Choosing the right car insurance policy is vital to avoid unexpected and potentially high expenses in the future. Having insufficient coverage during an accident could result in significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving record, and location can have a significant impact on your insurance premiums.
How Much Does A Cadillac CT4 Car Insurance Cost?
Typically, Cadillac CT4 drivers can find car insurance at an average rate of $2,842 per year.
Car insurance costs can vary widely due to several factors, including your location, driving history, vehicle model year, and chosen coverage options. Keeping a clean driving record can help lower premiums, while accidents or traffic violations typically lead to higher rates.
Living in urban areas with heavy traffic often results in higher premiums compared to rural areas with less congestion. The type of coverage you select also affects costs—comprehensive coverage, which includes both collision and non-collision incidents, tends to be pricier than basic liability coverage.
For instance, as shown in the table below, insuring a Cadillac CT4 costs more than the average for all Cadillac models and exceeds the average insurance cost for all vehicles.
To find the best rates tailored to your needs, Insuranceopedia offers tools to compare quotes from multiple auto insurance providers.
| Vehicle | Average Monthly Premium |
| Cadillac CT4 | $251 |
| All Cadillacs | $173 |
| All Cars | $175 |
Average Insurance Cost Of Cadillac CT4 By Model Year
| Model Year | Average Premium |
| 2023 Cadillac CT4 | $1,518 |
| 2022 Cadillac CT4 | $1,662 |
| 2021 Cadillac CT4 | $1,087 |
| 2020 Cadillac CT4 | $948 |
2023 Cadillac CT4 Insurance Rates
The average annual insurance cost for a 2023 Cadillac CT4 is $1,518. However, Safeco offers the cheapest rates, averaging $204 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,778 |
| NatGen Custom 360 | $1,492 |
| Nationwide | $1,673 |
| Safeco | $204 |
| Republic Indemnity | $2,102 |
| Capital Insurance Group | $1,432 |
| 21st Century | $1,822 |
| Texas Farm Bureau Group | $875 |
| Country | $1,766 |
| Travelers | $2,034 |
2022 Cadillac CT4 Insurance Rates
The average annual insurance cost for a 2022 Cadillac CT4 is $1,662. However, Safeco offers the cheapest rates, averaging $775 per year.
| Insurance Provider | Average Annual Cost |
| Cameron Mutual Group | $1,625 |
| Columbia Insurance Group | $2,110 |
| Southern Farm Bureau | $2,166 |
| Safeco | $775 |
| Penn National | $1,901 |
| Texas Farm Bureau Group | $1,253 |
| Mercury Insurance | $1,840 |
| New Jersey Manufacturers | $1,419 |
| Country | $1,753 |
| Shelter | $1,777 |
2021 Cadillac CT4 Insurance Rates
The average annual insurance cost for a 2021 Cadillac CT4 is $1,087. However, Mercury Insurance offers the cheapest rates, averaging $441 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $569 |
| Nationwide | $1,335 |
| New York Central Mutual Fire | $1,344 |
| American Family | $1,528 |
| Texas Farm Bureau Group | $982 |
| Erie | $1,465 |
| Southern Farm Bureau | $1,503 |
| SECURA Insurance | $1,238 |
| Mercury Insurance | $441 |
| Safeco | $467 |
2020 Cadillac CT4 Insurance Rates
The average annual insurance cost for a 2020 Cadillac CT4 is $948. However, Mercury Insurance offers the cheapest rates, averaging $347 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $926 |
| Safeco | $833 |
| Tennessee Farmers | $1,120 |
| Dairyland Broadform | $1,248 |
| SECURA Insurance | $1,106 |
| American National P | $921 |
| Plymouth Rock Assurance | $761 |
| Safety Group | $1,006 |
| Mercury Insurance | $347 |
| Erie | $1,215 |
Find Affordable Cadillac CT4 Insurance Rates
Is A Cadillac CT4 Expensive To Insure?
Insuring a Cadillac CT4 is pricier than the average cost for all cars. However, your exact premium will depend on several factors, including your age, the car’s age, your location, and other considerations.
Cost of Cadillac CT4 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers often face the highest premiums due to their higher likelihood of being involved in accidents. However, as drivers gain experience and age, their premiums tend to decrease, reflecting a lower risk to insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,683 | $14,166 | $16,586 |
| 18 | $8,995 | $13,183 | $15,414 |
| 19 | $7,978 | $11,694 | $13,623 |
| 20 | $6,877 | $10,128 | $11,930 |
| 21 | $5,776 | $8,532 | $9,943 |
| 22 | $5,689 | $8,297 | $9,756 |
| 23 | $4,925 | $7,269 | $8,475 |
| 24 | $4,668 | $6,893 | $8,090 |
| 25 | $4,047 | $5,944 | $6,968 |
| 30 | $3,207 | $4,619 | $5,398 |
| 35 | $2,972 | $4,327 | $5,065 |
| 40 | $2,853 | $4,146 | $4,876 |
| 45 | $2,742 | $4,031 | $4,762 |
| 55 | $2,522 | $3,736 | $4,375 |
| 65 | $2,627 | $3,858 | $4,577 |
| 75 | $3,318 | $4,945 | $5,731 |
Cadillac CT4 Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Each state has its own auto insurance regulations—for instance, Michigan drivers often face higher premiums due to the state’s requirement for more extensive coverage.
Additionally, local climate conditions play a role, with areas prone to extreme weather like hurricanes, storms, or flooding typically seeing higher rates. Crime and accident statistics, such as car theft, crashes, and vehicle fatality rates, also influence premiums. Insurers take all these factors into account when calculating the cost of insuring a Cadillac CT4.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,985 | $4,346 | $5,575 |
| Alaska | $2,480 | $3,439 | $3,327 |
| Arizona | $2,788 | $4,089 | $5,986 |
| Arkansas | $3,069 | $4,815 | $5,344 |
| California | $3,454 | $6,085 | $3,405 |
| Colorado | $3,237 | $4,497 | $5,716 |
| Connecticut | $4,155 | $6,381 | $8,037 |
| Delaware | $3,433 | $4,513 | $5,830 |
| Florida | $4,079 | $5,576 | $7,337 |
| Georgia | $3,327 | $4,952 | $4,958 |
| Hawaii | $1,297 | $1,809 | $1,355 |
| Idaho | $2,291 | $3,035 | $3,713 |
| Illinois | $2,396 | $3,650 | $4,097 |
| Indiana | $2,486 | $3,748 | $4,258 |
| Iowa | $1,950 | $2,634 | $3,183 |
| Kansas | $2,565 | $3,796 | $4,421 |
| Kentucky | $3,798 | $5,534 | $6,455 |
| Louisiana | $4,806 | $7,235 | $7,890 |
| Maine | $1,793 | $2,487 | $3,760 |
| Maryland | $2,948 | $4,268 | $4,807 |
| Massachusetts | $2,360 | $4,075 | $2,394 |
| Michigan | $5,743 | $8,724 | $13,702 |
| Minnesota | $2,302 | $3,140 | $4,433 |
| Mississippi | $2,844 | $4,049 | $4,050 |
| Missouri | $2,704 | $3,856 | $4,997 |
| Montana | $2,758 | $3,821 | $4,412 |
| Nebraska | $2,285 | $3,398 | $3,649 |
| Nevada | $3,834 | $5,599 | $5,940 |
| New Hampshire | $2,665 | $4,133 | $5,268 |
| New Jersey | $2,919 | $4,546 | $5,999 |
| New Mexico | $2,941 | $4,440 | $4,536 |
| New York | $2,715 | $3,419 | $5,725 |
| North Carolina | $1,705 | $2,875 | $2,132 |
| North Dakota | $2,360 | $3,524 | $4,156 |
| Ohio | $2,089 | $3,184 | $3,251 |
| Oklahoma | $3,301 | $4,777 | $5,385 |
| Oregon | $3,003 | $4,016 | $4,827 |
| Pennsylvania | $2,590 | $3,695 | $4,322 |
| Rhode Island | $4,275 | $6,187 | $7,055 |
| South Carolina | $2,898 | $3,957 | $5,549 |
| South Dakota | $2,603 | $3,705 | $4,271 |
| Tennessee | $3,090 | $4,454 | $5,950 |
| Texas | $3,083 | $4,435 | $5,536 |
| Utah | $2,565 | $3,681 | $5,067 |
| Vermont | $2,028 | $3,076 | $3,224 |
| Virginia | $1,861 | $2,895 | $2,841 |
| Washington | $2,473 | $3,385 | $4,062 |
| West Virginia | $2,468 | $3,594 | $4,559 |
| Wisconsin | $2,551 | $3,866 | $4,514 |
| Wyoming | $2,297 | $3,315 | $3,518 |
Find Affordable Cadillac CT4 Insurance Rates
Cheapest Car Insurance Companies For A Cadillac CT4
If you’re searching for a new car insurance policy for your Cadillac CT4, finding the cheapest provider is key. DirectGeneral offers an average premium of $17 per month, making it the most affordable option for this vehicle. However, rates vary depending on individual factors like your driving history and location. To secure the best deal for your specific profile, it’s recommended to compare quotes from multiple insurance providers.
| Company | Average Monthly Rate |
| DirectGeneral | $17 |
| SafeAuto | $74 |
| Gainsco | $33 |
| PlymouthRockNJ | $84 |
| Mercury | $43 |
Common Cadillac CT4 Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While each provider offers unique discounts, here are a few common options to consider:
- Multi-Policy Discount: Save money by bundling your auto and home insurance with the same company.
- Annual Payment Discount: Paying your entire premium upfront instead of in monthly installments often comes with a discount.
- Defensive Driving Discount: Completing a certified defensive driving course can make you eligible for lower rates.
Other discounts may also apply to your situation. Consult your insurance agent to explore all available options and identify those you qualify for.
Ways To Save On Cadillac CT4 Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Cadillac CT4 insurance costs. Traffic violations, like speeding tickets, or accidents can lead to higher premiums. For example, Cadillac CT4 drivers with a ticket typically pay $121 per month, while those with multiple accidents face an average rate of $126 per month.
Additionally, driving fewer miles each year can help reduce your insurance costs. Drivers who log between 5,000 and 7,500 miles annually pay an average of $87 per month, while those exceeding 10,000 miles per year pay around $118 per month. By maintaining a clean record and limiting your mileage, you can keep your premiums affordable.
Compare Cadillac CT4 To Other Cadillac Models
Looking for other Cadillac model insurance costs?
Our Methodology
Insuranceopedia calculated average car insurance costs by analyzing thousands of quotes from top providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures in this guide may differ from your specific results.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Cadillac CT4?
You must provide proof of insurance before driving your Cadillac CT4 off the dealership lot. It’s recommended to purchase a policy in advance and inform your insurance provider about your upcoming car purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Cadillac CT4?
To secure the lowest rates for your Cadillac CT4, it’s important to shop around and compare quotes from various auto insurance companies. Insuranceopedia makes this process simple by letting you compare quotes from multiple providers directly on their website.
