2023 Cadillac CT4 Car Insurance Calculator

Discover and learn how changes to driver risk factors and vehicle options impact the insurance cost for a 2023 Cadillac CT4. Set options like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2023 Cadillac CT4 is $2,382 per year, or about $199 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

$2,382

Cost Per Month

$199

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 2023 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.

$2,382
Average Rate
Your Rate
$2,382

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 2023 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 2023 Cadillac CT4 is $2,382.

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.

2023 Cadillac CT4 vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2023 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.

2023 Cadillac CT4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura Integra$2,046-$336
2BMW 330i$2,316-$66
3Acura TLX$2,352-$30
4Cadillac CT4$2,382--
5Genesis G70$2,430$48
6BMW 330e$2,466$84
7BMW 228i$2,478$96
8BMW 230i$2,496$114
2023 Small Luxury Car Average$2,509$127
9Mercedes-Benz C300$2,514$132
10Audi A4$2,526$144
11Volvo S60$2,530$148
12Lexus RC 350$2,536$154
13Audi S3$2,546$164
14Alfa Romeo Giulia$2,572$190
15BMW M235i$2,578$196
16Lexus IS 350$2,622$240
17Audi RS 3$2,720$338
18BMW M240i$2,776$394
19BMW M340i$2,784$402

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.

2023 CT4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Cadillac CT4 Insurance Rates by Trim Level
2023 Cadillac CT4 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,176$181
Luxury AWD$2,230$186
Sport Sedan$2,322$194
Sport AWD$2,364$197
Premium Luxury Sedan$2,400$200
Premium Luxury AWD$2,434$203
V Series Sedan$2,436$203
V Series AWD$2,442$204
V Series Blackwing$2,636$220

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 2023 Cadillac CT4 for different driver ages.

2023 Cadillac CT4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,281$690
17$8,053$671
18$7,284$607
19$6,618$552
20$5,097$425
21$4,867$406
22$4,375$365
23$3,587$299
24$3,399$283
25$2,762$230
30$2,546$212
35$2,446$204
40$2,382$199
45$2,222$185
50$2,106$176
55$1,966$164
60$1,970$164
65$2,094$175
70$2,244$187
75$2,616$218
80$3,206$267

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.