- Cadillac CT4 car insurance rates average $1,694 per year (about $141 per month) for full coverage.
- The cheapest Cadillac CT4 insurance is on the Luxury Sedan trim level at an average of $1,562 per year. The CT4 V Series Blackwing is the most expensive to insure at $1,856 per year.
- Out of 19 other small luxury cars for the 2022 model year, the CT4 ranks #9 for car insurance affordability.
How much does Cadillac CT4 insurance cost?
Ranked #9 out of 19 vehicles in the compact luxury car segment, Cadillac CT4 insurance rates average $1,694 a year, or about $141 on a monthly basis.
Average monthly payments to insure a 2022 CT4 cost from $130 per month on the CT4 Luxury Sedan model to $155 per month on the V Series Blackwing model.
With the average small luxury car costing $1,730 a year to insure, the Cadillac CT4 could save an estimated $36 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 $1,276 per year for a driver age 60 with high policy deductibles to the highest price of $3,924 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.
| Cadillac CT4 Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Luxury Sedan | $1,562 | $781 | $130 |
| Luxury AWD | $1,608 | $804 | $134 |
| Premium Luxury Sedan | $1,646 | $823 | $137 |
| Sport Sedan | $1,664 | $832 | $139 |
| Premium Luxury AWD | $1,692 | $846 | $141 |
| Sport AWD | $1,696 | $848 | $141 |
| V Series Sedan | $1,744 | $872 | $145 |
| V Series AWD | $1,772 | $886 | $148 |
| V Series Blackwing | $1,856 | $928 | $155 |
The next table illustrates average Cadillac CT4 car insurance cost for the 2020-2021 model years and for different driver ages.
| Model Year | Driver Age 20 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| 2022 | $3,372 | $1,788 | $1,694 | $1,540 | $1,512 |
| 2021 | $3,214 | $1,700 | $1,612 | $1,470 | $1,444 |
| 2020 | $3,156 | $1,668 | $1,582 | $1,442 | $1,416 |
Is Cadillac CT4 insurance expensive?
The Cadillac CT4 ranks #9 out of 19 total comparison vehicles in the small luxury car class for most affordable car insurance rates. The CT4 costs an average of $1,694 per year for an auto insurance policy with full coverage, while the class median cost is $1,730 annually, a difference of $36 per year.
When compared directly to the best-selling models in the small luxury car category, insurance rates for a Cadillac CT4 cost $82 more per year than the BMW 330i, $120 less than the Mercedes-Benz C300, and $56 more than the Volvo S60.
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/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz A220 | $1,500 | -$194 |
| 2 | BMW 330i | $1,612 | -$82 |
| 3 | Acura TLX | $1,620 | -$74 |
| 4 | Volvo S60 | $1,638 | -$56 |
| 5 | BMW 330e | $1,642 | -$52 |
| 6 | BMW 228i | $1,652 | -$42 |
| 7 | BMW 230i | $1,664 | -$30 |
| 8 | Alfa Romeo Giulia | $1,692 | -$2 |
| 9 | Cadillac CT4 | $1,694 | -- |
| 10 | Lexus RC 350 | $1,698 | $4 |
| 11 | Genesis G70 | $1,720 | $26 |
| 12 | Audi A4 | $1,766 | $72 |
| 13 | Audi S3 | $1,772 | $78 |
| 14 | Mercedes-Benz C300 | $1,814 | $120 |
| 15 | BMW M235i | $1,852 | $158 |
| 16 | Audi RS 3 | $1,856 | $162 |
| 17 | BMW M240i | $1,884 | $190 |
| 18 | Lexus IS 350 | $1,898 | $204 |
| 19 | BMW M340i | $1,902 | $208 |
