Best Cadillac XT4 Car Insurance Quotes (2024)
Getting Cadillac XT4 insurance costs on average $123 per month ($1,470 per year). This is about $49 less per year than the average vehicle. Good drivers can save as much as $606 a year by earning policy discounts.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Are Cadillacs expensive to insure? 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 about $49 less per year than the average vehicle, with full coverage costing about $1,470 a year or $123 a month. Good drivers can get up to $606 in savings each year by remaining safe and courteous on the road. Let’s 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 auto insurance rates for a Cadillac XT4 cost $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 Kia Niro, Lincoln MKT, and Lincoln MKX.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Kia Niro | $282 | $478 | $398 | $1,316 |
| Lincoln MKT | $370 | $626 | $450 | $1,626 |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
Read more: Best Car Insurance Company for Lincolns
What Impacts the Cost of Cadillac XT4 Insurance?
The Cadillac XT4 trim and model you choose can impact the total price you will pay for Cadillac XT4 insurance coverage.
Age of the Vehicle
Older Cadillac XT4 models generally cost less to insure. For example, auto insurance for a 2020 Cadillac XT4 costs $1,470, while 2019 Cadillac XT4 insurance costs 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 |
Driver Age
Driver age can have a significant effect on Cadillac XT4 car insurance rates. For example, 20-year-old drivers pay $1,797 more for their Cadillac XT4 car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Cadillac XT4 insurance rates. For example, drivers in New York may pay $383 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on your Cadillac XT4 car insurance rates. Teens and drivers in their 20’s see the highest jump in their Cadillac XT4 car insurance with violations on their driving record.
Cadillac XT4 Safety Ratings
Your Cadillac XT4 car insurance rates are tied to the safety ratings of the Cadillac XT4. 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 | |
Cadillac XT4 Crash Test Ratings
The crash test ratings of the Cadillac XT4 can impact 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 | ||||
|---|---|---|---|---|
Cadillac XT4 Safety Features
The Cadillac XT4 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Cadillac XT4 auto insurance rates. The Cadillac XT4’s safety features include:
- 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 auto insurance at the dealership, so be sure to shop around and compare Cadillac XT4 auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Cadillac XT4 Insurance
You can save more money on your Cadillac XT4 auto insurance rates by employing any of the following five strategies.
- Take Advantage of Referral Fees
- Move to the Countryside
- Ask About Usage-Based Insurance for Your Cadillac XT4
- Pay Your Bills On Time — Especially Cadillac XT4 Payments and Insurance
- Tell Your Insurer How You Use Your Cadillac XT4
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 | |||
Compare Free Cadillac XT4 Insurance Quotes Online
You can start comparing quotes for Cadillac XT4 insurance from some of the top car insurance companies by using our free online tool today.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What factors affect the cost of insurance for a Cadillac XT4?
The cost of insurance for a Cadillac XT4 will depend on various factors, including:
- driver’s age
- location
- driving history
- credit score
- level of coverage
The car’s safety features, such as airbags, anti-lock brakes, and anti-theft devices, may also impact the cost of insurance.
What type of coverage is recommended for a Cadillac XT4?
It is recommended that Cadillac XT4 owners have at least the minimum coverage required by their state. This typically includes liability coverage, which covers damages and injuries you cause to others in an accident. However, it may be beneficial to also have collision and comprehensive coverage to protect your own vehicle in the event of an accident, theft, or natural disaster.
How can I find the best insurance for my Cadillac XT4?
To find the best insurance for your Cadillac XT4, you should compare quotes from multiple insurance providers. You can do this by contacting individual companies or by using an online insurance comparison tool. It is also recommended that you research the financial stability and customer service reputation of any insurance provider you are considering.
Does the Cadillac XT4 qualify for any insurance discounts?
The Cadillac XT4 may qualify for various insurance discounts, such as a safe driver discount, multi-car discount, or a discount for having certain safety features installed. Additionally, some insurance companies offer discounts for military personnel, students, or members of certain professional organizations.
Can I adjust my Cadillac XT4 insurance coverage as my needs change?
Yes, you can adjust your Cadillac XT4 insurance coverage as your needs change. If you no longer need a certain type of coverage, you can remove it from your policy. If you need more coverage, you can increase your policy limits or add additional types of coverage. Just be sure to review your policy regularly to ensure you have adequate protection.
How much should I expect to pay for insurance on a Cadillac XT4?
The cost of insurance for a Cadillac XT4 can vary widely depending on the factors mentioned above. On average, however, Cadillac XT4 owners can expect to pay between $1,500 and $2,000 per year for insurance coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.