Cadillac XT4 Car Insurance [List of Money Saving Tips]

Cadillac XT4 insurance rates cost $123 per month ($1,470 per year) on average. Comprehensive, collision, and liability insurance cost around $358, $523, and $415, respectively.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 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 $123 per month for full coverage, $49 per month liability-only coverage, and $448 per month for teen drivers. Continue reading to learn how you can save money on Cadillac XT4 insurance rates.

You can start comparing quotes for Cadillac XT4 auto insurance rates from some of the best auto 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 Ford Escape, BMW X6, and Lincoln MKT.

Vehicle Comprehensive Collision Liability Total
Cadillac XT4 $362 $656 $316 $1,470
Ford Escape $280 $438 $316 $1,170
BMW X6 $432 $834 $398 $1,822
Lincoln MKT $370 $626 $450 $1,626
MINI Clubman $320 $506 $398 $1,382
Chevrolet Equinox $308 $532 $372 $1,370
Ford EcoSport $280 $500 $372 $1,310
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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

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
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Driver Age

Driver age can have a significant effect on the cost of Cadillac XT4 auto insurance. For example, a 20-year-old driver could pay around $150 more each month for their Cadillac XT4 auto insurance than a 30-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 $809 a year more than drivers in Phoenix.

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 the highest jump in their Cadillac XT4 auto insurance rates 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 G
Side G
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

Poor Cadillac XT4 crash test ratings could mean higher Cadillac XT4 auto 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 numerous safety features of the Cadillac XT4 help contribute to lower insurance rates. The 2020 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, most lenders will require your carry higher Cadillac XT4 coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac XT4 auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Cadillac XT4 Insurance

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

  • Understand that Insurance Companies Can’t Change Your Cadillac XT4 Insurance Rates Mid-Term Based on Changes to Your Credit Score
  • Compare Apples to Apples When Comparing Cadillac XT4 Insurance Rates and Policies
  • Compare Cadillac XT4 Insurance Rates Online
  • Tell Your Insurer About Different Drivers or Uses for Your Cadillac XT4
  • Ask About Mature Driver Discounts for Drivers Over 50

Top Cadillac XT4 Insurance Companies

Who is the best 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

Start comparing Cadillac XT4 auto insurance quotes for free by using our convenient online comparison tool.

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