Cadillac XT4 Car Insurance Cost 2025
The average annual cost for insuring a Cadillac XT4 is approximately $2,540. However, keep in mind that this cost can vary based on factors like your age, the specific year of your vehicle, your driving history, location, and the coverage options you choose. To get a more accurate estimate tailored to your situation, it’s best to use quote tools that provide personalized quotes based on your driver profile.
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When contemplating the purchase of a Cadillac XT4, one crucial aspect to consider is the insurance expenses associated with it. Insurance constitutes a substantial part of owning a car, making it essential to grasp the financial implications before committing to a purchase. On average, insurance for a Cadillac XT4 costs $2,540 per year.
Neglecting to carefully choose a suitable car insurance policy can result in unforeseen and potentially substantial expenses later on. It’s undesirable to find yourself underinsured when faced with an accident, leading to significant out-of-pocket costs. Additionally, there’s the possibility of premium hikes if you’re deemed responsible for an incident.
With over ten years of experience analyzing car insurance rates, I’ve witnessed the considerable variability in these expenses. Factors like age, driving history, and location can exert a significant influence on insurance premiums.
How Much Does A Cadillac XT4 Car Insurance Cost?
Typically, Cadillac XT4 drivers can expect to pay around $2,540 per year for car insurance.
It’s important to remember that various factors can influence the cost of car insurance for your Cadillac XT4. These include your location, driving history, car model year, and the type of coverage you select. For instance, drivers with clean records generally pay lower premiums, while those with a history of accidents or violations can expect higher costs.
Living in an urban area with high traffic could result in higher premiums compared to rural areas, where the risk of accidents is lower. Additionally, the level of coverage you choose matters; comprehensive coverage, which includes both comprehensive and collision protection, is usually more expensive than basic liability coverage.
When comparing the Cadillac XT4’s insurance rates to all Cadillac models, the XT4 tends to be more expensive. However, it is still more affordable than the average cost for all vehicles in general. To ensure you’re getting the best rate, comparing quotes from different insurers is a wise strategy.
| Vehicle | Average Monthly Premium |
| Cadillac XT4 | $180 |
| All Cadillacs | $173 |
| All Cars | $175 |
Average Insurance Cost Of Cadillac XT4 By Model Year
| Model Year | Average Premium |
| 2024 Cadillac XT4 | $1,672 |
| 2023 Cadillac XT4 | $1,285 |
| 2022 Cadillac XT4 | $1,300 |
| 2021 Cadillac XT4 | $883 |
| 2020 Cadillac XT4 | $951 |
| 2019 Cadillac XT4 | $771 |
2024 Cadillac XT4 Insurance Rates
The average annual insurance cost for a 2024 Cadillac XT4 is $1,672. However, Texas Farm Bureau Group offers the cheapest rates, averaging $604 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,842 |
| Alliance United | $1,982 |
| California Capital | $1,759 |
| Republic Indemnity | $1,785 |
| USAA | $1,428 |
| Unitrin | $1,803 |
| Texas Farm Bureau Group | $604 |
| Mercury | $1,657 |
| Grange | $1,947 |
| CSAA | $1,910 |
2023 Cadillac XT4 Insurance Rates
The average annual insurance cost for a 2023 Cadillac XT4 is $1,285. However, Nationwide offers the cheapest rates, averaging $396 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $1,805 |
| Nationwide | $396 |
| Texas Farm Bureau Group | $1,848 |
| State Farm | $1,575 |
| Republic Indemnity | $1,284 |
| 21st Century | $1,377 |
| National General Value | $447 |
| Unitrin | $1,672 |
| Direct Auto | $752 |
| Esurance | $1,694 |
2022 Cadillac XT4 Insurance Rates
The average annual insurance cost for a 2022 Cadillac XT4 is $1,300. However, Safeco offers the cheapest rates, averaging $535 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,262 |
| Country | $1,020 |
| Capital Insurance Group | $1,236 |
| SECURA Insurance | $1,348 |
| Safeco | $535 |
| New Jersey Manufacturers | $1,470 |
| California Capital | $1,755 |
| Nationwide | $1,660 |
| Texas Farm Bureau Group | $965 |
| Republic Indemnity | $1,744 |
2021 Cadillac XT4 Insurance Rates
The average annual insurance cost for a 2021 Cadillac XT4 is $883. However, Safeco offers the cheapest rates, averaging $429 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $596 |
| Hastings Mutual Insurance Co | $1,099 |
| Wolverine Mutual | $1,116 |
| Safeco | $429 |
| New Jersey Manufacturers | $1,145 |
| Capital Insurance Group | $1,243 |
| Texas Farm Bureau Group | $599 |
| Mercury Insurance | $515 |
| SECURA Insurance | $777 |
| MO Farm Bureau Services | $1,309 |
2020 Cadillac XT4 Insurance Rates
The average annual insurance cost for a 2020 Cadillac XT4 is $951. However, Mercury Insurance offers the cheapest rates, averaging $378 per year.
| Insurance Provider | Average Annual Cost |
| Rockford Mutual Insurance | $999 |
| Partners Mutual Insurance Co | $1,157 |
| Mercury Insurance | $378 |
| Pekin Insurance | $731 |
| MO Farm Bureau Services | $1,162 |
| Country | $1,211 |
| Farm Bureau Mutual (IA Group) | $1,218 |
| Safeco | $569 |
| Capital Insurance Group | $1,091 |
| SECURA Insurance | $990 |
2019 Cadillac XT4 Insurance Rates
The average annual insurance cost for a 2019 Cadillac XT4 is $771. However, Buckeye Insurance Group offers the cheapest rates, averaging $510 per year.
| Insurance Provider | Average Annual Cost |
| Ohio Mutual Ins Group | $1,031 |
| Acuity | $1,090 |
| Buckeye Insurance Group | $510 |
| Rockford Mutual Insurance | $952 |
| NatGen Custom 360 | $847 |
| Jupiter Auto Insurance | $586 |
| Safeco | $839 |
| Rural Mutual Insurance | $974 |
| American National P | $542 |
| Pekin Insurance | $915 |
Find Affordable Cadillac XT4 Insurance Rates
Is A Cadillac XT4 Expensive To Insure?
The cost of insuring a Cadillac XT4 is indeed higher than the overall average for all cars. However, your exact insurance premium can vary based on multiple factors. These include your age, driving history, the age of your car, where you live, and the coverage options you choose. For example, younger drivers, those with less driving experience, or those in high-risk locations might face higher premiums. It’s essential to consider all these factors when determining the best insurance plan for your vehicle.
Cost of Cadillac XT4 Car Insurance By Age
Age is a crucial factor in determining car insurance rates. Teenagers typically face the highest premiums because they are statistically more likely to be involved in accidents due to inexperience. As you get older, your premiums generally decrease, as insurance companies view older drivers as lower-risk individuals. Drivers in their 30s and 40s, who have more experience behind the wheel, tend to pay lower rates compared to younger drivers.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,592 | $12,514 | $14,651 |
| 18 | $7,952 | $11,682 | $13,715 |
| 19 | $7,003 | $10,334 | $12,064 |
| 20 | $6,150 | $8,999 | $10,539 |
| 21 | $5,115 | $7,606 | $8,866 |
| 22 | $4,971 | $7,377 | $8,576 |
| 23 | $4,426 | $6,486 | $7,550 |
| 24 | $4,177 | $6,162 | $7,160 |
| 25 | $3,579 | $5,242 | $6,160 |
| 30 | $2,825 | $4,085 | $4,808 |
| 35 | $2,588 | $3,844 | $4,498 |
| 40 | $2,531 | $3,753 | $4,333 |
| 45 | $2,415 | $3,580 | $4,181 |
| 55 | $2,231 | $3,340 | $3,910 |
| 65 | $2,374 | $3,495 | $4,075 |
| 75 | $3,005 | $4,377 | $5,109 |
Cadillac XT4 Car Insurance Rates By State
Your location plays a key role in determining your car insurance rates. Each state has its own insurance regulations and requirements, which can significantly affect premiums. For example, Michigan drivers tend to face higher premiums due to the state’s mandatory coverage levels. Additionally, areas prone to extreme weather conditions, like hurricanes, storms, or flooding, may see higher rates due to the increased risk of damage.
Furthermore, local crime rates and accident statistics are also factored in by insurance companies. If you live in an area with a high frequency of car thefts or accidents, your insurance premiums are likely to be higher. Insurance companies use this data to assess the risk associated with insuring vehicles in specific areas, making location a crucial element in determining your insurance costs.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,697 | $3,901 | $4,947 |
| Alaska | $2,213 | $3,058 | $2,977 |
| Arizona | $2,497 | $3,659 | $5,378 |
| Arkansas | $2,713 | $4,279 | $4,697 |
| California | $3,044 | $5,408 | $3,011 |
| Colorado | $2,835 | $3,960 | $5,097 |
| Connecticut | $3,678 | $5,662 | $7,196 |
| Delaware | $2,988 | $3,987 | $5,179 |
| Florida | $3,639 | $4,923 | $6,478 |
| Georgia | $2,944 | $4,326 | $4,380 |
| Hawaii | $1,186 | $1,609 | $1,150 |
| Idaho | $2,069 | $2,728 | $3,225 |
| Illinois | $2,122 | $3,171 | $3,630 |
| Indiana | $2,224 | $3,373 | $3,739 |
| Iowa | $1,732 | $2,343 | $2,802 |
| Kansas | $2,288 | $3,324 | $3,905 |
| Kentucky | $3,366 | $4,861 | $5,773 |
| Louisiana | $4,293 | $6,433 | $7,022 |
| Maine | $1,624 | $2,182 | $3,275 |
| Maryland | $2,637 | $3,769 | $4,207 |
| Massachusetts | $2,121 | $3,614 | $2,115 |
| Michigan | $5,069 | $7,721 | $12,120 |
| Minnesota | $2,048 | $2,758 | $3,939 |
| Mississippi | $2,465 | $3,613 | $3,633 |
| Missouri | $2,379 | $3,342 | $4,435 |
| Montana | $2,423 | $3,347 | $3,878 |
| Nebraska | $1,995 | $3,022 | $3,238 |
| Nevada | $3,344 | $4,981 | $5,218 |
| New Hampshire | $2,333 | $3,684 | $4,711 |
| New Jersey | $2,533 | $4,035 | $5,296 |
| New Mexico | $2,664 | $3,864 | $4,033 |
| New York | $2,482 | $3,042 | $5,073 |
| North Carolina | $1,464 | $2,637 | $1,857 |
| North Dakota | $2,030 | $3,095 | $3,717 |
| Ohio | $1,838 | $2,867 | $2,921 |
| Oklahoma | $2,901 | $4,199 | $4,740 |
| Oregon | $2,689 | $3,609 | $4,327 |
| Pennsylvania | $2,205 | $3,340 | $3,846 |
| Rhode Island | $3,744 | $5,519 | $6,170 |
| South Carolina | $2,589 | $3,492 | $4,877 |
| South Dakota | $2,303 | $3,311 | $3,765 |
| Tennessee | $2,733 | $3,921 | $5,283 |
| Texas | $2,671 | $3,959 | $4,922 |
| Utah | $2,260 | $3,266 | $4,450 |
| Vermont | $1,811 | $2,696 | $2,869 |
| Virginia | $1,688 | $2,574 | $2,488 |
| Washington | $2,214 | $2,960 | $3,639 |
| West Virginia | $2,266 | $3,231 | $3,973 |
| Wisconsin | $2,231 | $3,481 | $3,921 |
| Wyoming | $2,099 | $2,945 | $3,104 |
Find Affordable Cadillac XT4 Insurance Rates
Cheapest Car Insurance Companies For A Cadillac XT4
If you’re looking for affordable car insurance for your Cadillac XT4, Amica offers the most competitive rate at $26 per month, making them the cheapest provider for this model. However, keep in mind that car insurance rates can vary depending on your personal profile, including your driving history, age, location, and more. To ensure you get the best deal for your specific situation, it’s a good idea to shop around and compare quotes from multiple insurance providers. This will help you find the most affordable option based on your unique needs.
| Company | Average Monthly Rate |
| Amica | $26 |
| Esurance | $90 |
| Kemper | $76 |
| DirectGeneral | $102 |
| SafeAuto | $84 |
Common Cadillac XT4 Insurance Discounts
Discounts can be a great way to reduce your car insurance premiums. While different providers offer unique discounts, here are some common ones you should check for eligibility:
- Multi-policy: Bundling your home and auto insurance with the same provider often results in a discount.
- Pay annually: If you pay your premium upfront rather than in monthly installments, you may receive a discount.
- Defensive driving: Completing a defensive driving course from a certified provider could make you eligible for a reduced rate.
In addition to these, there may be other discounts available depending on your provider and personal circumstances. It’s a good idea to speak with your insurance agent, who can help you identify the discounts you’re eligible for.
Ways To Save On Cadillac XT4 Insurance Costs
Maintaining a clean driving record is essential for keeping your Cadillac XT4 insurance premiums low. A speeding ticket or an accident can result in higher premiums. For example, Cadillac XT4 drivers with a ticket on their record can expect to pay around $82 per month, while those with multiple accidents may face an average premium of $147 per month.
In addition to driving safely, the amount of mileage you drive annually can impact your insurance costs. Drivers who travel fewer miles typically pay lower premiums, as they have less exposure to risk. For Cadillac XT4 drivers who drive between 5,000 and 7,500 miles per year, the average premium is about $88 per month. In contrast, those who drive over 10,000 miles annually may see premiums rise to approximately $97 per month.
Compare Cadillac XT4 To Other Cadillac Models
Looking for other Cadillac model insurance costs?
- Cadillac Escalade Car Insurance
- Cadillac XT5 Car Insurance
- Cadillac CT4 Car Insurance
- Cadillac CT5 Car Insurance
- Cadillac CT6 Car Insurance
- Cadillac CT5-V Car Insurance
- Cadillac CT6-V Car Insurance
- Cadillac XT6 Car Insurance
- Cadillac CT4-V Car Insurance
Our Methodology
Insuranceopedia calculated average car insurance costs by aggregating thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind, however, that these figures may differ from your individual results, as rates are influenced by various factors such as location, driving history, and personal circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Cadillac XT4?
Yes, before driving your Cadillac XT4 off the dealership lot, you will need to provide proof of insurance. It’s typically best to purchase an insurance policy in advance and inform your insurer that you are about to buy the car. This way, your coverage will be active as soon as you take ownership, ensuring you’re properly insured from the moment you drive your new vehicle. This is usually a more straightforward option than relying on the dealership’s insurance.
How Can You Get The Cheapest Insurance For Your Cadillac XT4?
The best way to find the most affordable rates for your Cadillac XT4 is by shopping around and comparing quotes from various auto insurance providers. By comparing multiple options, you can ensure that you get the best coverage at the most competitive price. Fortunately, Insuranceopedia allows you to compare quotes from different companies directly on our website, making the process easier and more convenient for you.
