Compare Cadillac XT4 Insurance Rates [How to Find Low Rates Online]

Auto insurance rates for a Cadillac XT4 average $1,470 a year, or around $123 a month. Shop around to find cheap Cadillac XT4 insurance rates. On average, Cadillac XT4 comprehensive insurance coverage costs $358, collision coverage costs $523, and liability coverage costs $415.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2020

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Key takeaways:

  • Full coverage costs around $1,470 a year or $123 each month
  • A liability-only policy costs around $589 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,373 a year or $448 each month
  • Good drivers can save as much as $606 a year by earning policy discounts
  • Cadillac XT4 insurance costs around $49 less per year than the average vehicle

Cadillac XT4 insurance rates are slightly less than the average vehicle with full coverage costing around $1,470 a year or $123 a month. The highest rates are for teens who will pay around $5,373 a year or $448 a month.

Good drivers have the potential to save up to $606 a year in policy discounts by being safe and courteous while out on the roads. Let’s take a quick look at Cadillac XT4 insurance rates, crash test ratings, and more.

You can start comparing quotes for Cadillac XT4 car insurance rates from some of the best car insurance companies by using our free online tool now.

Cadillac XT4 Insurance Cost

The average Cadillac XT4 auto insurance costs are $1,470 a year or $123 a month.

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Are Cadillac XT4s Expensive to Insure?

The chart below details how Cadillac XT4 insurance rates compare to other crossovers like the Hyundai Kona, Kia Sportage, and Honda CR-V.

Vehicle Comprehensive Collision Liability Total
Cadillac XT4 $362 $656 $316 $1,470
Hyundai Kona $280 $500 $316 $1,232
Kia Sportage $280 $470 $372 $1,280
Honda CR-V $280 $408 $316 $1,140
Buick Envision $320 $566 $398 $1,442
Hyundai Tucson $294 $470 $372 $1,294
Lexus RX 450h $390 $718 $420 $1,708
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However, there are a few things you can do to find the cheapest Cadillac insurance rates online.

What Impacts the Cost of Cadillac XT4 Insurance?

The Cadillac XT4 trim and model you choose will affect the total price you will pay for Cadillac XT4 insurance coverage.

Age of the Vehicle

The average Cadillac XT4 car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Cadillac XT4 are $1,470, while 2019 Cadillac XT4 rates are $1,444, a difference of $26.

Model Year Comprehensive Collision Liability Total
2020 Cadillac XT4 $362 $656 $316 $1,470
2019 Cadillac XT4 $346 $630 $332 $1,444
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Driver Age

Driver age can have a significant impact on the cost of Cadillac XT4 auto insurance. For example, 20-year-old drivers pay as much as $1,862 more each year for their Cadillac XT4 auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac XT4 insurance rates. For example, drivers in Los Angeles may pay $1,264 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Cadillac XT4 auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Cadillac XT4 car insurance with violations on their driving record.

Cadillac XT4 Safety Ratings

Your Cadillac XT4 auto insurance rates are tied to the Cadillac XT4’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Cadillac XT4 Crash Test Ratings

Cadillac XT4 crash test ratings will affect your Cadillac XT4 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Cadillac XT4 SUV FWD 5 stars 4 stars 5 stars 4 stars
2020 Cadillac XT4 SUV AWD 5 stars 4 stars 5 stars 4 stars
2019 Cadillac XT4 SUV FWD 5 stars 4 stars 5 stars 4 stars
2019 Cadillac XT4 SUV AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Cadillac XT4 Safety Features

The safety features of the Cadillac XT4 can impact your Cadillac XT4 car insurance rates. The Cadillac XT4 has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Cadillac XT4 Finance and Insurance Cost

If you are financing a Cadillac XT4, you will pay more if you purchase Cadillac XT4 car insurance at the dealership, so be sure to shop around and compare Cadillac XT4 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Cadillac XT4 Insurance

There are several ways you can save even more on your Cadillac XT4 car insurance rates. Take a look at the following five tips:

  • Don’t Assume your Cadillac XT4 is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Ask About Retiree Discounts
  • Ask About Cadillac XT4 Discounts If You Were Listed on Someone Else’s Policy
  • Get Cadillac XT4 Auto Insurance Through Costco
  • Park Your Cadillac XT4 Somewhere Safe – like a Garage or Private Driveway

Top Cadillac XT4 Insurance Companies

Who is the top auto insurance company for Cadillac XT4 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac XT4 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac XT4 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Cadillac XT4 Insurance Quotes Online

Save on your Cadillac XT4 car insurance rates by taking advantage of our FREE comparison tool.

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