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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.
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The average Cadillac XT4 auto insurance costs are $1,470 a year or $123 a month.
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 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
The Cadillac XT4 trim and model you choose can impact the total price you will pay for Cadillac XT4 insurance coverage.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The numerous safety features of the Cadillac XT4 help contribute to lower insurance rates. The 2020 Cadillac XT4 has the following safety features:
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.
There are several ways you can save even more on your Cadillac XT4 auto insurance rates. Take a look at the following five tips:
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 | |||
Start comparing Cadillac XT4 auto insurance quotes for free by using our convenient online comparison tool.
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