Buy Cheap Cadillac XT4 Auto Insurance in 2024
Auto insurance rates for a Cadillac XT4 average $1,470 a year, or around $123 a month. Comprehensive, collision, and liability insurance cost around $358, $523, and $415, respectively.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 25, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 25, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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:
- 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
Are you searching for cheap Cadillac XT4 insurance rates? Good drivers can save as much as $606 a year by earning policy discounts. Our guide covers everything you need to know about Cadillac XT4 insurance rates and savings, so read on.
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.
Table of Contents
Cadillac XT4 Insurance Cost
The average Cadillac XT4 car insurance rates 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 Infiniti QX30, Audi SQ5, and Lincoln MKC.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac XT4 | $362 | $656 | $316 | $1,470 |
| Infiniti QX30 | $344 | $686 | $398 | $1,586 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
| Ford Escape | $280 | $438 | $316 | $1,170 |
| FIAT 500X | $256 | $506 | $450 | $1,392 |
| Audi Q5 | $362 | $718 | $372 | $1,610 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
Read more: Buy Cheap Fiat Auto Insurance
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
The average Cadillac XT4 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Cadillac XT4 cost $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 |
Driver Age
Driver age can have a significant impact on Cadillac XT4 auto insurance rates. For instance, a 30-year-old driver may pay $65 more each year for Cadillac XT4 auto insurance than a 40-year-old driver.
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 influenced by the Cadillac XT4’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Cadillac XT4 Crash Test Ratings
Poor Cadillac XT4 crash test ratings could mean higher 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
Cadillac XT4 safety features can lower the cost of your insurance. The safety features for the 2020 Cadillac XT4 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
There are many ways that you can save on Cadillac XT4 car insurance. Below are five actions you can take to find cheap Cadillac XT4 auto insurance rates.
- Install an Aftermarket Anti-Theft Device for Your Cadillac XT4
- Take Public Transit Instead of Driving Your Cadillac XT4
- Ask About a Student Away from Home Discount
- Tell Your Insurer About Different Drivers or Uses for Your Cadillac XT4
- Understand the Different Types of Auto Insurance for Your Cadillac XT4
Top Cadillac XT4 Insurance Companies
Who is the top car 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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Frequently Asked Questions
How can I find cheap insurance for my Cadillac XT4?
To find cheap insurance for your Cadillac XT4, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record and avoid accidents and traffic violations.
- Increase your deductibles, if financially feasible, to lower your premium.
- Opt for safety features and anti-theft devices in your vehicle.
- Bundle your Cadillac XT4 insurance with other insurance policies to avail of discounts.
- Inquire about any available discounts for good students, safe drivers, or membership affiliations.
Are there any downsides to purchasing cheap insurance for my Cadillac XT4?
While cheap insurance can save you money, it’s essential to be aware of potential downsides:
- Cheap insurance may provide limited coverage or exclude certain benefits.
- The deductible might be higher, requiring you to pay more out of pocket in the event of a claim.
- The insurance company may have poor customer service or slow claims processing.
- Cheap insurance may come with less comprehensive coverage or higher exclusions.
- Lower coverage limits may leave you financially vulnerable in case of a major accident.
How does the Cadillac XT4 model affect insurance premiums?
Insurance premiums for the Cadillac XT4 can be influenced by several factors:
- The cost of repairing or replacing the vehicle in case of damage.
- The vehicle’s safety features and anti-theft devices.
- The vehicle’s crash test ratings and overall safety record.
- The likelihood of theft or vandalism for the specific model.
- The horsepower and performance specifications of the vehicle.
- The age and driving history of the primary driver.
Are there any additional ways to save on Cadillac XT4 auto insurance?
Yes, here are some additional ways to save on Cadillac XT4 auto insurance:
- Maintain a good credit score, as some insurance companies consider it when calculating premiums.
- Consider taking a defensive driving course to demonstrate safe driving skills.
- Review your coverage periodically and make adjustments based on your changing needs.
- Ask your insurance provider about any loyalty discounts for long-term customers.
- Drive fewer miles annually, as some insurers offer discounts for low mileage.
Will purchasing cheap insurance for my Cadillac XT4 affect the resale value of my vehicle?
No, purchasing cheap insurance for your Cadillac XT4 should not directly affect the resale value of your vehicle. The resale value is primarily influenced by factors such as the vehicle’s age, condition, mileage, maintenance history, and market demand. However, it’s important to note that if you opt for minimal coverage or exclude certain benefits with cheap insurance, potential buyers may perceive it as a potential risk and may negotiate a lower price.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.