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.
Insuring a Cadillac CT4 in 2025 typically costs between $1,500 and $2,914 annually, depending on factors like model year, driver profile, and location. For instance, a 2023 CT4 averages around $1,518 per year, while a 2025 model is estimated at approximately $2,914 annually, slightly below the luxury sedan average cite turn0search. Insurance costs can vary significantly based on individual circumstances, including driving history, credit score, and chosen coverage levels.
To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and consider available discounts.
How Much Does Cadillac CT4 Car Insurance Cost?
Typically, Cadillac CT4 drivers can find car insurance at an average rate of $2,914 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 |
| 2025 Cadillac CT4 | $1,529 |
| 2023 Cadillac CT4 | $1,518 |
| 2022 Cadillac CT4 | $1,662 |
| 2021 Cadillac CT4 | $1,087 |
| 2020 Cadillac CT4 | $948 |
2025 Cadillac CT4 Insurance Rates
The average annual insurance cost for a 2025 Cadillac CT4 is $1,529. However, Safeco offers the cheapest rates, averaging $167 per year.
| Insurance Provider | Average Annual Cost |
| Republic Indemnity | $2,193 |
| Safeco | $167 |
| Travelers | $2,136 |
| Texas Farm Bureau Group | $915 |
| Capital Insurance Group | $1,406 |
| USAA | $1,780 |
| Nationwide | $1,647 |
| Country | $1,800 |
| 21st Century | $1,776 |
| NatGen Custom 360 | $1,472 |
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
Are Cadillac CT4s Expensive To Insure?
Insuring a Cadillac CT4 is moderately priced compared to other luxury sedans. On average, annual premiums range from $1,500 to $2,900, influenced by factors such as the model year, driver profile, and location. For instance, a 2023 CT4 averages around $1,518 per year, while a 2025 model is estimated at approximately $2,914 annually, slightly below the luxury sedan average. Insurance costs can vary significantly based on individual circumstances, including driving history, credit score, and chosen coverage levels. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and consider available discounts.
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
This table provides a comparative overview of estimated insurance premiums for the Cadillac CT4 from various providers. The annual premiums range from as low as $167 with Safeco to $1,780 with USAA. Monthly premiums have been calculated by dividing the annual premiums by 12, offering a clearer picture of potential monthly expenses. It’s important to note that these figures are estimates and actual premiums may vary based on individual circumstances such as driving history, location, and selected coverage options. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and consider available discounts.
| Insurance Company | Average Monthly |
| Safeco | $14 |
| Texas Farm Bureau Group | $76 |
| Capital Insurance Group | $117 |
| Nationwide | $137 |
| USAA | $148 |
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.
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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.
