- Cadillac CT4 car insurance rates average $2,446 per year (about $204 per month) for full coverage.
- The cheapest Cadillac CT4 insurance is on the Luxury Sedan trim level at an average of $2,240 per year. The CT4 V Series Blackwing is the most expensive to insure at $2,680 per year.
- Out of 18 other small luxury cars for the 2024 model year, the CT4 ranks fourth for car insurance affordability.
How much does Cadillac CT4 insurance cost?
Ranked fourth out of 18 vehicles in the compact luxury car segment, Cadillac CT4 insurance rates average $2,446 a year, or about $204 on a monthly basis.
Average monthly payments to insure a 2024 CT4 cost from $187 per month on the CT4 Luxury Sedan model to $223 per month on the V Series Blackwing model.
With the average small luxury car costing $2,578 a year to insure, the Cadillac CT4 could save an estimated $132 or more on an annual basis.
The rate summary chart below details how average CT4 auto insurance rates can change with differences in driver age and insurance policy deductibles. The rate estimates range from the cheapest policy rate of $1,686 per year for a driver age 60 with high policy deductibles to the highest price of $5,716 per year for a driver age 20 with a $250 policy deductible.
The rate table below details the estimated annual and semi-annual policy costs, plus a monthly budget figure, for each Cadillac CT4 model 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. Updated June 27, 2025
The next table illustrates average Cadillac CT4 car insurance cost for the 2020-2024 model years and for different driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Cadillac CT4 | $4,870 | $2,446 | $2,020 |
| 2023 Cadillac CT4 | $4,748 | $2,382 | $1,970 |
| 2022 Cadillac CT4 | $4,786 | $2,370 | $1,964 |
| 2021 Cadillac CT4 | $4,600 | $2,276 | $1,890 |
| 2020 Cadillac CT4 | $4,462 | $2,206 | $1,832 |
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 Cadillac CT4 trim levels for each model year. Updated June 27, 2025
Is Cadillac CT4 insurance expensive?
The Cadillac CT4 ranks fourth out of 18 total comparison vehicles in the small luxury car class for most affordable car insurance rates. The CT4 costs an average of $2,446 per year for an auto insurance policy with full coverage, while the class median cost is $2,578 annually, a difference of $132 per year.
When compared directly to the best-selling models in the small luxury car category, insurance rates for a Cadillac CT4 cost $22 more per year than the Acura TLX, $196 less per year than the Alfa Romeo Giulia, $26 less per year than the Lexus IS 350, and $122 less per year than the BMW 230i.
The table displayed below shows how well the CT4 fares against the top 10 best-selling small luxury cars like the Acura TLX, Audi A4, and the Genesis G70.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura Integra | $2,082 | -$364 |
| 2 | BMW 330i | $2,384 | -$62 |
| 3 | Acura TLX | $2,424 | -$22 |
| 4 | Cadillac CT4 | $2,446 | -- |
| 5 | Genesis G70 | $2,452 | $6 |
| 6 | Lexus IS 350 | $2,472 | $26 |
| 7 | Lexus RC 350 | $2,542 | $96 |
| 8 | BMW 330e | $2,544 | $98 |
| 9 | BMW 228i | $2,548 | $102 |
| 10 | BMW 230i | $2,568 | $122 |
| 11 | Audi S3 | $2,626 | $180 |
| 12 | Alfa Romeo Giulia | $2,642 | $196 |
| 13 | Audi A4 | $2,698 | $252 |
| 14 | BMW M235i | $2,712 | $266 |
| 15 | Volvo S60 | $2,748 | $302 |
| 16 | Audi RS 3 | $2,800 | $354 |
| 17 | BMW M240i | $2,854 | $408 |
| 18 | BMW 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 vehicle from the 2024 model year. Updated June 26, 2025
