2024 Cadillac CT4 Car Insurance Calculator

Find out how choices you make impact car insurance rates for a 2024 Cadillac CT4. Experiment with factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2024 Cadillac CT4 is $2,446 per year, or about $204 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

$2,446

Cost Per Month

$204

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 2024 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.

$2,446
Average Rate
Your Rate
$2,446

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 2024 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 2024 Cadillac CT4 is $2,446.

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.

2024 Cadillac CT4 vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2024 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.

2024 Cadillac CT4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura Integra$2,082-$364
2BMW 330i$2,384-$62
3Acura TLX$2,424-$22
4Cadillac CT4$2,446--
5Genesis G70$2,452$6
6Lexus IS 350$2,472$26
7Lexus RC 350$2,542$96
8BMW 330e$2,544$98
9BMW 228i$2,548$102
10BMW 230i$2,568$122
2024 Small Luxury Car Average$2,578$132
11Audi S3$2,626$180
12Alfa Romeo Giulia$2,642$196
13Audi A4$2,698$252
14BMW M235i$2,712$266
15Volvo S60$2,748$302
16Audi RS 3$2,800$354
17BMW M240i$2,854$408
18BMW M340i$2,862$416

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.

2024 CT4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 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.

2024 Cadillac CT4 Insurance Rates by Trim Level
2024 Cadillac CT4 Trim Level Annual Premium Cost Per Month
Luxury Sedan$2,240$187
Luxury AWD$2,296$191
Sport Sedan$2,392$199
Sport AWD$2,434$203
Premium Luxury Sedan$2,472$206
V Series Sedan$2,492$208
V Series AWD$2,500$208
Premium Luxury AWD$2,506$209
V Series Blackwing$2,680$223

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 2024 Cadillac CT4 for different driver ages.

2024 Cadillac CT4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,476$706
17$8,246$687
18$7,463$622
19$6,780$565
20$5,228$436
21$4,992$416
22$4,489$374
23$3,682$307
24$3,490$291
25$2,838$237
30$2,616$218
35$2,512$209
40$2,446$204
45$2,284$190
50$2,160$180
55$2,016$168
60$2,020$168
65$2,148$179
70$2,300$192
75$2,678$223
80$3,278$273

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.