Cadillac XT4 Car Insurance Cost for 2022

How much does insurance cost on a Cadillac XT4? We analyzed average car insurance rates for the Sport, Luxury, and Premium Luxury trim levels to see how prices ranked against other small luxury SUVs.

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How much does Cadillac XT4 car insurance cost?

Cadillac XT4 insurance rates average $1,340 yearly, or about $112 on a monthly basis, for full coverage. With the average small luxury SUV costing $1,714 a year to insure, the Cadillac XT4 may save an estimated $374 or more on an annual basis.

Depending on the trim level being insured, monthly car insurance rates for a 2022 Cadillac XT4 range from $107 to $114.

The chart below breaks down average car insurance cost on a 2022 Cadillac XT4 using different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Cadillac XT4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Cadillac XT4 trim levels.Data last updated on June 24, 2022
Cadillac XT4 Insurance Cost Summary
Cadillac XT4 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,008$251
Safe Driver Age 20$2,636$220
At-fault Accidents Age 40$1,866$156
Low Deductibles Age 40$1,770$148
Safe Driver Age 30$1,422$119
Safe Driver Age 40$1,340$112
Safe Driver Age 50$1,220$102
Safe Driver Age 60$1,196$100
High Deductibles Age 40$1,116$93
Discount Rate Age 40$1,116$93

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 $214 less per year than the Lexus NX 350, $278 less than the Mercedes-Benz GLC300, $528 less than the BMW X3, and $32 more than the Acura RDX.

The Cadillac XT4 ranks #2 out of 34 total vehicles in the small luxury SUV segment. The XT4 costs an estimated $1,340 per year for full coverage insurance and the category average rate is $1,714 per year, a difference of $374 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 34 models in the small luxury SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Cadillac XT4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Cadillac XT4 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Cadillac XT4 vs Top 10 Small Luxury SUVs Insurance Cost Comparison
Cadillac XT4 Insurance Cost Compared to All Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,308-$32
2Cadillac XT4$1,340--
3Volvo XC40$1,466$126
4Lexus NX 250$1,516$176
5BMW X1$1,520$180
6Lexus NX 350h$1,528$188
7Lexus UX 250h$1,530$190
8Lexus NX 350$1,554$214
9Lexus UX 200$1,558$218
10Lexus NX 450h$1,598$258
11Mercedes-Benz GLB 250$1,602$262
12Land Rover Evoque$1,612$272
13Lincoln Corsair$1,616$276
14Mercedes-Benz GLC300$1,618$278
15Mercedes-Benz GLA250$1,630$290
16Volvo C40$1,632$292
17Volvo XC60$1,640$300
18BMW X2$1,690$350
19Audi Q3$1,712$372
20Mercedes-Benz GLA35 AMG$1,714$374
21Infiniti QX55$1,726$386
22Genesis GV70$1,746$406
23Mercedes-Benz GLA45 AMG$1,766$426
24Audi Q5$1,768$428
25Audi Q4$1,790$450
26Land Rover Defender$1,798$458
27Land Rover Range Rover Velar$1,806$466
28Alfa Romeo Stelvio$1,844$504
29BMW X3$1,868$528
30Porsche Macan$1,932$592
31Jaguar I-Pace$1,974$634
32Jaguar F-Pace$2,026$686
33BMW X4$2,082$742
34Aston Martin DBX$2,772$1,432

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 2022 model, the average cost to buy a XT4 is $40,707, before destination charges and documentation fees.

The compact luxury SUV models closest in cost to the Cadillac XT4 for the 2022 model year are the BMW X2, Lexus NX 350h, Mercedes-Benz GLB 250, and Audi Q3.

The data below shows how those models compare to a 2022 XT4 by both purchase price and insurance rates.

  • Cadillac XT4 vs. BMW X2 – Having an average price of $40,550 ($36,600 to $46,450), the BMW X2 costs $157 less than the average cost for the XT4. Buying insurance for the BMW X2 costs an average of $350 more annually than the Cadillac XT4.
  • Cadillac XT4 vs. Lexus NX 350h – For a new model, the sticker price on the 2022 Lexus NX 350h averages $343 more than the XT4 ($41,050 compared to $40,707). Drivers can expect to pay approximately $188 more every 12 months for full-coverage insurance on the Lexus NX 350h compared to a XT4.
  • Cadillac XT4 vs. Mercedes-Benz GLB 250 – Having an average price of $41,150 and ranging from $38,600 to $43,700, the Mercedes-Benz GLB 250 costs $443 more than the average cost for the XT4. Expect to pay around $262 more annually for insurance on the Mercedes-Benz GLB 250 compared to a XT4.
  • Cadillac XT4 vs. Audi Q3 – Having an average MSRP of $39,200 and ranging from $36,400 to $42,000, the Audi Q3 costs $1,507 less than the average MSRP for the XT4. Full-coverage car insurance on the Audi Q3 costs an average of $372 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 $1,286 per year. The second cheapest model is the base Luxury AWD model at $1,324 per year.

The three Cadillac XT4 models with the most expensive insurance rates are the XT4 Premium Luxury 2WD, the Sport AWD, and the Premium Luxury 4WD trim levels at around $1,342,  $1,372, and $1,372 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 2022 model year package and trim level.

2022 Cadillac XT4 Insurance Cost by Trim Level
Cadillac XT4 Trim Level Annual Policy 6-month Policy Per Month
Luxury 2WD$1,286$643$107
Luxury AWD$1,324$662$110
Sport 2WD$1,340$670$112
Premium Luxury 2WD$1,342$671$112
Sport AWD$1,372$686$114
Premium Luxury 4WD$1,372$686$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Cadillac XT4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Cadillac XT4 Insurance Cost by Trim Level