2024 Cadillac XT4 Car Insurance Calculator

Learn how different driver and vehicle factors impact car insurance rates for a 2024 Cadillac XT4. Tweak settings like coverage deductibles, age of the driver, and policy discounts to see how insurance cost is affected. Immediately see if your choice raises or lowers your rate and learn exactly why.

The average estimated car insurance premium for a 2024 Cadillac XT4 is $2,114 per year, or about $176 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

$2,114

Cost Per Month

$176

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 2024 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.

$2,114
Average Rate
Your Rate
$2,114

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 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 2024 Cadillac XT4 is $2,114.

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 XT4 vs. the Small Luxury SUV Segment

The table below compares insurance rates for the 2024 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.

2024 Cadillac XT4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$156
2Lexus NX 250$2,072-$42
3Cadillac XT4$2,114--
4Lexus NX 350h$2,210$96
5Lincoln Corsair$2,236$122
6Mercedes-Benz GLB 250$2,240$126
7Lexus UX 250h$2,246$132
8Lexus NX 450h$2,258$144
9Mercedes-Benz GLA250$2,282$168
10Mercedes-Benz GLA35 AMG$2,290$176
11Land Rover Evoque$2,336$222
12Lexus NX 350$2,348$234
13Volvo XC40$2,356$242
14Volvo XC60$2,370$256
15Alfa Romeo Tonale$2,376$262
16Mercedes-Benz GLA45 AMG$2,388$274
17BMW X1$2,420$306
18Infiniti QX55$2,424$310
19Volvo C40$2,442$328
20BMW X2$2,452$338
21Lexus RZ 450e$2,478$364
22Mercedes-Benz EQB 300$2,492$378
23Mercedes-Benz GLC300$2,512$398
2024 Small Luxury SUV Average$2,541$427
24Mercedes-Benz EQB 350$2,552$438
25Genesis GV70$2,582$468
26Audi Q3$2,596$482
27Audi Q5$2,606$492
28Alfa Romeo Stelvio$2,630$516
29Land Rover Range Rover Velar$2,660$546
30BMW X4$2,712$598
31Audi Q4$2,736$622
32BMW X3$2,764$650
33Genesis GV60$2,848$734
34Porsche Macan$2,894$780
35Jaguar I-Pace$2,926$812
36Land Rover Defender$3,042$928
37Jaguar F-Pace$3,130$1,016
38Aston Martin DBX$4,562$2,448

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 XT4 Insurance Rates by Trim Level

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

2024 Cadillac XT4 Insurance Rates by Trim Level
2024 Cadillac XT4 Trim Level Annual Premium Cost Per Month
Luxury 2WD$2,028$169
Luxury AWD$2,108$176
Premium Luxury 2WD$2,108$176
Sport 2WD$2,116$176
Premium Luxury 4WD$2,158$180
Sport AWD$2,166$181

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 XT4 for different driver ages.

2024 Cadillac XT4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,391$616
17$7,161$597
18$6,428$536
19$5,862$489
20$4,507$376
21$4,303$359
22$3,863$322
23$3,190$266
24$3,014$251
25$2,450$204
30$2,256$188
35$2,174$181
40$2,114$176
45$1,980$165
50$1,876$156
55$1,748$146
60$1,752$146
65$1,862$155
70$2,004$167
75$2,346$196
80$2,872$239

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.