2021 Cadillac XT4 Car Insurance Calculator

View in real-time how different driver, vehicle, and coverage options affect the cost of insurance for a 2021 Cadillac XT4. Experiment with options like driving violations, coverage levels, and mileage driven to see how rates are affected. Immediately discover if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2021 Cadillac XT4 is $1,844 per year, or about $154 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

$1,844

Cost Per Month

$154

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 XT4 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 2021 Cadillac XT4.

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.

$1,844
Average Rate
Your Rate
$1,844

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 2021 Cadillac XT4 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 2021 Cadillac XT4 is $1,844.

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.

2021 Cadillac XT4 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2021 Cadillac XT4 against all other models in the small luxury SUV segment. The Cadillac XT4 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 XT4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Cadillac XT4.

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

2021 Cadillac XT4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$60
2Cadillac XT4$1,844--
3Volvo XC40$1,888$44
4Lincoln Corsair$2,080$236
5Lexus UX 250h$2,098$254
6Volvo XC60$2,120$276
7Mercedes-Benz GLB 250$2,140$296
8BMW X1$2,156$312
9Lexus UX 200$2,158$314
10Lexus NX 300$2,166$322
11Mercedes-Benz GLC300$2,172$328
12Land Rover Defender$2,234$390
13Mercedes-Benz GLA250$2,248$404
14Land Rover Evoque$2,254$410
2021 Small Luxury SUV Average$2,262$418
15BMW X2$2,292$448
16Audi Q3$2,346$502
17Audi Q5$2,362$518
18BMW X3$2,422$578
19Lexus NX 300H$2,434$590
20Mercedes-Benz GLA45 AMG$2,462$618
21Alfa Romeo Stelvio$2,486$642
22BMW X4$2,520$676
23Jaguar F-Pace$2,552$708
24Jaguar I-Pace$2,632$788
25Porsche Macan$2,688$844

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.

2021 XT4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Cadillac XT4.

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.

2021 Cadillac XT4 Insurance Rates by Trim Level
2021 Cadillac XT4 Trim Level Annual Premium Cost Per Month
2WD$1,770$148
AWD$1,834$153
Luxury 2WD$1,834$153
Sport 2WD$1,834$153
Luxury AWD$1,898$158
Sport AWD$1,898$158

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 2021 Cadillac XT4 for different driver ages.

2021 Cadillac XT4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,443$537
17$6,260$522
18$5,650$471
19$5,135$428
20$3,949$329
21$3,769$314
22$3,381$282
23$2,772$231
24$2,627$219
25$2,140$178
30$1,970$164
35$1,896$158
40$1,844$154
45$1,726$144
50$1,632$136
55$1,524$127
60$1,528$127
65$1,626$136
70$1,742$145
75$2,032$169
80$2,498$208

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 XT4 trim levels.