Cadillac XT4 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Cadillac XT4 is more expensive to insure compared to the average SUV.
• Full coverage for a XT4 typically runs around $171 a month, while liability only car insurance premiums run about $93.
• SafeAuto provides the lowest average premiums for a XT4 with liability only coverage offered for sometimes as low as $75 monthly.

XT4 Overview

Coming in with a base MSRP of $35,795 for 2021 models, the Cadillac XT4 is a great SUV for all budgets. With three different trim levels currently offered, every driver can find an option to match their style.

We combed through thousands of insurance quotes on Compare.com, and we've found that Cadillac XT4 car insurance rates run around $160 per month, on average. Compared to other vehicles in the market, how do XT4 auto insurance prices stack up?

How Much is Car Insurance for a Cadillac XT4?

You'll see in the table above that compared to other vehicles on the road, Cadillac XT4 insurance rates are about average. XT4 owners can expect to pay around $171 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $93 a month for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the XT4 is matches Cadillac's vehicle offerings. But XT4 coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive premiums than other SUVs.

Compared to all vehicles, regardless of body style, make, or model, insurance prices for both liability only and full coverage policies run higher than average.

Who has the Cheapest Car Insurance for a Cadillac XT4?

Are you searching for an auto insurance policy for your Cadillac XT4? You're probably most interested in which carrier offers the most affordable premiums. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $32 per month from Amica. The next most affordable company is Kemper, who offers car insurance as little as $70 per month.

Rounding out the list are SafeAuto, Esurance, and DirectGeneral. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies use a wide array of different variables and complex formulas to calculate rates. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from quite a few auto insurance carriers.

What Factors Affect Car Insurance Rates for a Cadillac XT4?

There are a range of variables that car insurance companies use to decide how much they charge for auto insurance -- and every carrier uses a different method, so there's not a single company that's the most affordable for each XT4 owner.

The sections below show a whole bunch of things insurance carriers use to determine rates:

Vehicle Age

The Cadillac XT4 has only been around for two or three model years, which means vehicle age won't affect your cost in the same way it might for other vehicles. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go down.

Based on the above table, XT4 premiums are generally about between $89 and $111 a month.

Your Age

How old you are plays a significant role in how much auto insurance companies will charge for a policy. Because the Cadillac XT4 is pretty new to the market, we're just starting to collect data on how age is affecting car insurance rates. So far, based on the table above, younger drivers have cheaper prices than drivers with more experience.

Car insurance prices continue to get lower as you get older, with the cheapest age group for XT4 drivers being 65 years and older.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. Surprisingly, for XT4 drivers, this trend does not hold, and women pay more for their insurance than men.

Where You Live

It may be obvious that factors such as what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live can be equally important? Since auto insurance is regulated on the state level rather than nationally, rates can differ quite a bit depending on which state you're located in.

Because the XT4 is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than any other state.

Cadillac XT4 Car Insurance Discounts

No matter where you live, how old you are, or which vehicle you drive, using as many discounts as possible when it comes to your insurance policy is always important.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), you can control some of it. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

You've almost certainly noticed ads from car insurance carriers posting hefty savings for safe drivers. It follows that if you get tickets or get into a collision, insurance prices will go up. But you're probably wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Cadillac XT4 drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost XT4 drivers when it comes to auto insurance.

How Much You Drive

How much you drive each year impacts your car insurance premiums. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually get lower prices. Since the Cadillac XT4 is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect rates. So far, the most expensive rates are offered to drivers who drive 10,000+ miles a year.

But if you drive a limited amount, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Cadillac XT4s Compare to Other Vehicles?

If you're considering buying a Cadillac XT4, it can pay off to do your homework. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering.

Review the table below to see how the Cadillac XT4 compares:

Overall, the Cadillac XT4 is a fantastic value when it comes to price, with an MSRP that's less than the going rate for a new vehicle. While the average vehicle price in the U.S. is $46,296, the XT4 has a base price of just $35,795.

Full coverage insurance for a Cadillac XT4 is around $30 per month more than average, while liability only coverage is $19 cheaper monthly.

When it comes to usage, Cadillac XT4 owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles every year compared to the XT4's 9,559 each year.

Cadillac XT4 Car Insurance Costs by Model Year

You've seen how different factors can affect how much the average driver pays to insure a Cadillac XT4. If you're considering buying a new XT4, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

2021 Cadillac XT4 Car Insurance

2021 XT4 drivers can expect to pay an average of $62 a month for liability or $199 for full coverage.

DirectGeneral has rates as low as just $44 monthly for the 2021 Cadillac XT4.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2020 Cadillac XT4 Car Insurance

It costs about $114 per month for liability or $161 for a full coverage policy for the 2020 Cadillac XT4.

If you're looking for the lowest possible 2020 Cadillac XT4 insurance policy, Esurance offered the lowest policy we found, with rates sometimes as cheap as $48 monthly.

While these are good estimates of what the average driver might pay to insure a 2020 Cadillac XT4, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2019 Cadillac XT4 Car Insurance

On average, drivers who own a 2019 XT4 can expect to pay $102 to $162 per month for liability only and full coverage auto insurance, respectively.

With rates sometimes as little as $27 a month, Amica offered the most affordable policy we found for the 2019 Cadillac XT4.

Want to find the lowest rates? Get several customized quotes for free by just entering your ZIP code below.

Cadillac XT4 Insurance FAQs

Is a Cadillac XT4 expensive to insure?

Liability insurance runs an average of $93 monthly, while full coverage will cost you around $171. The Cadillac XT4 is more expensive to insure compared to the average SUV.

How can I get the best price on car insurance for my Cadillac XT4?

There's only one way to make sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from an array of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole range of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Cadillac XT4 affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. While there are a variety of things insurance companies use when they decide your car insurance premium, the color of your vehicle isn't one of them.

Do I need to have insurance before I buy a Cadillac XT4?

Before you can legally drive your new (or new to you) Cadillac XT4 off the dealership lot, you'll need to have a valid insurance policy. As part of the buying process, some dealerships might offer you a car insurance policy, but the best thing to do when buying a a new SUV is to let your car insurance company know beforehand.

What car insurance discounts can I get for my Cadillac XT4?

There are a bunch of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your XT4 and more on you, but if your XT4 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to know for sure is to reach out to your insurance carrier and ask about which discounts they offer, since they change quite a bit from carrier to carrier.