How Much is Insurance on a Cadillac XT4?

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 16, 2021

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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.

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
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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 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
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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
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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
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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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