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Are Cadillac XT4s Expensive to Insure? [Guide + Free Quotes]

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 23, 2020

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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.

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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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