2022 Cadillac CT4 Car Insurance Calculator

Monitor in real-time how the choices you make influence insurance rates for a 2022 Cadillac CT4. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2022 Cadillac CT4 is $2,370 per year, or about $198 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

$2,370

Cost Per Month

$198

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 2022 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.

$2,370
Average Rate
Your Rate
$2,370

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 2022 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 2022 Cadillac CT4 is $2,370.

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.

2022 Cadillac CT4 vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2022 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.

2022 Cadillac CT4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz A220$2,100-$270
2Acura TLX$2,166-$204
3BMW 330i$2,260-$110
4Volvo S60$2,294-$76
5BMW 330e$2,302-$68
6Genesis G70$2,306-$64
7BMW 228i$2,314-$56
8BMW 230i$2,330-$40
9Cadillac CT4$2,370--
10Alfa Romeo Giulia$2,372$2
11Lexus RC 350$2,380$10
2022 Small Luxury Car Average$2,410$40
12Audi A4$2,476$106
13Audi S3$2,484$114
14BMW M235i$2,518$148
15Mercedes-Benz C300$2,544$174
16Audi RS 3$2,604$234
17BMW M240i$2,644$274
18Lexus IS 350$2,662$292
19BMW M340i$2,668$298

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.

2022 CT4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Cadillac CT4 Insurance Rates by Trim Level
2022 Cadillac CT4 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,184$182
Luxury AWD$2,250$188
Premium Luxury Sedan$2,304$192
Sport Sedan$2,330$194
Premium Luxury AWD$2,370$198
Sport AWD$2,376$198
V Series Sedan$2,442$204
V Series AWD$2,482$207
V Series Blackwing$2,602$217

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 2022 Cadillac CT4 for different driver ages.

2022 Cadillac CT4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,482$707
17$8,218$685
18$7,364$614
19$6,703$559
20$5,132$428
21$4,894$408
22$4,381$365
23$3,596$300
24$3,398$283
25$2,756$230
30$2,528$211
35$2,436$203
40$2,370$198
45$2,216$185
50$2,098$175
55$1,960$163
60$1,964$164
65$2,094$175
70$2,268$189
75$2,670$223
80$3,292$274

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.