Cadillac XT4 Car Insurance [Everything You Need to Know]

If you want to buy Cadillac XT4 insurance coverage then a policy will cost $123/mo ($1,470/yr) on average. A liability-only policy costs around $589/yr or $49/mo. Cadillac XT4 insurance costs around $49 less per year than the average vehicle. Good drivers can save up to $606 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 about $49 less per year than the average vehicle with full coverage costing around $1,470 a year or $123 a month. Good drivers can save up to $606 a year by staying safe out on the roadways. We’re going to be taking a quick 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 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 MINI Clubman, Nissan Rogue, and Mazda CX-3.

Vehicle Comprehensive Collision Liability Total
Cadillac XT4 $362 $656 $316 $1,470
MINI Clubman $320 $506 $398 $1,382
Nissan Rogue $268 $512 $440 $1,400
Mazda CX-3 $308 $500 $372 $1,338
Chevrolet Equinox $308 $532 $372 $1,370
Audi SQ5 $394 $774 $264 $1,542
Toyota RAV4 $280 $482 $390 $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?

You might have noticed that there is a multitude of factors that impact Cadillac XT4 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Cadillac XT4.

Age of the Vehicle

The average Cadillac XT4 auto insurance rates are higher for newer models. 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 car insurance. For example, a 20-year-old driver could pay around $150 more each month for their Cadillac XT4 car 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 Houston may pay $1,083 a year more than drivers in Columbus.

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 car insurance rates are influenced by 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
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Cadillac XT4 Crash Test Ratings

Cadillac XT4 crash test ratings can impact the cost of your Cadillac XT4 car insurance. See Cadillac XT4 crash test results below:

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

Having a variety of safety features on your Cadillac XT4 can help lower your Cadillac XT4 insurance costs. 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, 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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Cadillac XT4 Insurance

Save more on your Cadillac XT4 car insurance rates. Take a look at the following five strategies that will get you the best Cadillac XT4 auto insurance rates possible.

  • Choose a Cadillac XT4 with Cheaper Repair Costs
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Use Paperless Billing for Your Cadillac XT4 Insurance Policy
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Ask About Usage-Based Insurance for Your Cadillac XT4

Top Cadillac XT4 Insurance Companies

Several top car insurance companies offer competitive rates for the Cadillac XT4 rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Cadillac XT4 drivers organized by market share.

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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