2020 Cadillac CT4 Car Insurance Calculator

Explore and learn how different driver and vehicle factors affect the cost of insurance for a 2020 Cadillac CT4. Update factors like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2020 Cadillac CT4 is $2,206 per year, or about $184 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,206

Cost Per Month

$184

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Cadillac CT4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 Cadillac CT4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,206
Average Rate
Your Rate
$2,206

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 Cadillac CT4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Cadillac CT4 is $2,206.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Cadillac CT4 vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2020 Cadillac CT4 against all other models in the small luxury car segment. The Cadillac CT4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Cadillac CT4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Cadillac CT4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Cadillac CT4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz A220$1,970-$236
2Volvo S60$2,130-$76
3BMW 330i$2,178-$28
4Cadillac CT4$2,206--
5Acura TLX$2,228$22
6Lexus RC 350$2,240$34
7BMW i3$2,252$46
8BMW 230i$2,262$56
9Alfa Romeo Giulia$2,294$88
10Genesis G70$2,298$92
11Audi S3$2,306$100
2020 Small Luxury Car Average$2,320$114
12Audi A4$2,344$138
13Mercedes-Benz AMG SLC43$2,398$192
14Mercedes-Benz C300$2,434$228
15BMW M240i$2,440$234
16Audi RS 3$2,476$270
17Lexus IS 350$2,522$316
18BMW 340i$2,776$570

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 CT4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Cadillac CT4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Cadillac CT4 Insurance Rates by Trim Level
2020 Cadillac CT4 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,086$174
Luxury AWD$2,150$179
Luxury Sun and Sound Sedan$2,150$179
Luxury Sun and Sound AWD$2,212$184
Premium Luxury Sedan$2,212$184
Sport Sedan$2,212$184
Premium Luxury AWD$2,242$187
Sport AWD$2,272$189
V Series AWD$2,272$189
V Series Sedan$2,272$189

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Cadillac CT4 for different driver ages.

2020 Cadillac CT4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,946$662
17$7,687$641
18$6,863$572
19$6,254$521
20$4,782$399
21$4,562$380
22$4,074$340
23$3,352$279
24$3,162$264
25$2,566$214
30$2,350$196
35$2,270$189
40$2,206$184
45$2,066$172
50$1,956$163
55$1,828$152
60$1,832$153
65$1,956$163
70$2,118$177
75$2,502$209
80$3,088$257

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Cadillac CT4 trim levels.