- Cadillac XT4 insurance costs an average of $2,166 per year, or around $181 per month for full coverage.
- Out of 38 vehicles in the small luxury SUV segment, the XT4 ranks third for insurance affordability.
- Cadillac XT4 insurance cost ranges from $2,080 to $2,220 annually for an average driver, depending on trim level.
How much does Cadillac XT4 car insurance cost?
Cadillac XT4 insurance rates average $2,166 yearly, or about $181 on a monthly basis, for full coverage. With the average small luxury SUV costing $2,603 a year to insure, the Cadillac XT4 may save an estimated $437 or more on an annual basis.
Depending on the trim level being insured, monthly car insurance rates for a 2024 Cadillac XT4 range from $173 to $185.
The chart below breaks down average car insurance cost on a 2024 Cadillac XT4 using different driver ages and risk profiles.
The XT4 vs other SUVs: How does insurance compare?
When XT4 car insurance cost is compared directly to the top-selling other small luxury SUVs, the XT4 costs $240 less per year than the Lexus NX 350, $406 less than the Mercedes-Benz GLC300, $664 less than the BMW X3, and $160 more than the Acura RDX.
The Cadillac XT4 ranks third out of 38 total vehicles in the small luxury SUV segment. The XT4 costs an estimated $2,166 per year for full coverage insurance and the category average rate is $2,603 per year, a difference of $437 per year.
The chart below shows how average car insurance rates for a Cadillac XT4 compare to the top-selling compact luxury SUVs. For a total class comparison, we include a larger table after the chart that details insurance rate affordability rankings for all 38 models in the small luxury SUV category.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $2,006 | -$160 |
| 2 | Lexus NX 250 | $2,124 | -$42 |
| 3 | Cadillac XT4 | $2,166 | -- |
| 4 | Lexus NX 350h | $2,264 | $98 |
| 5 | Lincoln Corsair | $2,292 | $126 |
| 6 | Mercedes-Benz GLB 250 | $2,296 | $130 |
| 7 | Lexus UX 250h | $2,300 | $134 |
| 8 | Lexus NX 450h | $2,314 | $148 |
| 9 | Mercedes-Benz GLA250 | $2,340 | $174 |
| 10 | Mercedes-Benz GLA35 AMG | $2,348 | $182 |
| 11 | Land Rover Evoque | $2,396 | $230 |
| 12 | Lexus NX 350 | $2,406 | $240 |
| 13 | Volvo XC40 | $2,416 | $250 |
| 14 | Volvo XC60 | $2,430 | $264 |
| 15 | Alfa Romeo Tonale | $2,434 | $268 |
| 16 | Mercedes-Benz GLA45 AMG | $2,446 | $280 |
| 17 | BMW X1 | $2,476 | $310 |
| 18 | Infiniti QX55 | $2,482 | $316 |
| 19 | Volvo C40 | $2,502 | $336 |
| 20 | BMW X2 | $2,510 | $344 |
| 21 | Lexus RZ 450e | $2,542 | $376 |
| 22 | Mercedes-Benz EQB 300 | $2,554 | $388 |
| 23 | Mercedes-Benz GLC300 | $2,572 | $406 |
| 24 | Mercedes-Benz EQB 350 | $2,614 | $448 |
| 25 | Genesis GV70 | $2,642 | $476 |
| 26 | Audi Q3 | $2,660 | $494 |
| 27 | Audi Q5 | $2,670 | $504 |
| 28 | Alfa Romeo Stelvio | $2,694 | $528 |
| 29 | Land Rover Range Rover Velar | $2,726 | $560 |
| 30 | BMW X4 | $2,780 | $614 |
| 31 | Audi Q4 | $2,800 | $634 |
| 32 | BMW X3 | $2,830 | $664 |
| 33 | Genesis GV60 | $2,918 | $752 |
| 34 | Porsche Macan | $2,962 | $796 |
| 35 | Jaguar I-Pace | $3,000 | $834 |
| 36 | Land Rover Defender | $3,114 | $948 |
| 37 | Jaguar F-Pace | $3,206 | $1,040 |
| 38 | Aston Martin DBX | $4,672 | $2,506 |
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 October 24, 2025
Comparing the average cost of auto insurance on a XT4 to small luxury SUVs with the most comparable sticker prices can provide us with another useful metric. For the 2024 model, the average cost to buy a XT4 is $41,911, before destination charges and documentation fees.
The compact luxury SUV models closest in cost to the Cadillac XT4 for the 2024 model year are the Mercedes-Benz GLB 250, Lexus NX 250, Lexus UX 250h, and Mercedes-Benz GLA250.
The data below shows how those models compare to a 2024 XT4 by both purchase price and insurance rates. Additional comparisons for other makes and models can be found on our insurance cost comparisons page.
- Cadillac XT4 vs. Mercedes-Benz GLB 250 – Having an average price of $42,350 ($39,800 to $44,900), the Mercedes-Benz GLB 250 costs $439 more than the average cost for the XT4. Buying insurance for the Mercedes-Benz GLB 250 costs an average of $130 more annually than the Cadillac XT4.
- Cadillac XT4 vs. Lexus NX 250 – For a new model, the sticker price on the 2024 Lexus NX 250 averages $1,019 more than the XT4 ($42,930 compared to $41,911). Drivers can expect to pay approximately $42 less every 12 months for full-coverage insurance on the Lexus NX 250 compared to a XT4.
- Cadillac XT4 vs. Lexus UX 250h – Having an average price of $40,478 and ranging from $36,690 to $45,520, the Lexus UX 250h costs $1,434 less than the average cost for the XT4. Expect to pay around $134 more annually for insurance on the Lexus UX 250h compared to a XT4.
- Cadillac XT4 vs. Mercedes-Benz GLA250 – Having an average MSRP of $39,850 and ranging from $37,500 to $42,200, the Mercedes-Benz GLA250 costs $2,061 less than the average MSRP for the XT4. Full-coverage car insurance on the Mercedes-Benz GLA250 costs an average of $174 more annually than the Cadillac XT4.
What is the cheapest Cadillac XT4 insurance?
The cheapest Cadillac XT4 model to insure is the base Luxury 2WD model at $2,080 per year. The second cheapest model is the base Luxury AWD model at $2,160 per year.
The three Cadillac XT4 models with the most expensive insurance rates are the XT4 Sport 2WD, the Premium Luxury 4WD, and the Sport AWD trim levels at around $2,170, $2,212, and $2,220 per year, respectively.
The next table breaks down average annual and 6-month Cadillac XT4 car insurance rates, in addition to a monthly budget estimate, for each 2024 model year package and trim level.
| 2024 Cadillac XT4 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Luxury 2WD | $2,080 | $173 |
| Luxury AWD | $2,160 | $180 |
| Premium Luxury 2WD | $2,160 | $180 |
| Sport 2WD | $2,170 | $181 |
| Premium Luxury 4WD | $2,212 | $184 |
| Sport AWD | $2,220 | $185 |
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 October 24, 2025
