Cadillac XT4 Car Insurance Cost for 2023

How much is Cadillac XT4 insurance?

From the Luxury 2WD model up to the Premium Luxury 4WD trim level, we compared insurance rates for the 2023 XT4 to look at how average insurance rates rank against the small luxury SUV segment.

Start QuoteCompare XT4 car insurance rates and save on your next policy.

How much does Cadillac XT4 car insurance cost?

Cadillac XT4 insurance rates average $1,592 yearly, or about $133 on a monthly basis, for full coverage. With the average small luxury SUV costing $1,909 a year to insure, the Cadillac XT4 may save an estimated $317 or more on an annual basis.

Depending on the trim level being insured, monthly car insurance rates for a 2023 Cadillac XT4 range from $127 to $136.

The chart below breaks down average car insurance cost on a 2023 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 2023 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 January 23, 2023
Cadillac XT4 Insurance Cost Summary
Cadillac XT4 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,580$298
Safe Driver Age 20$3,138$262
At-fault Accidents Age 40$2,228$186
Low Deductibles Age 40$2,078$173
Safe Driver Age 30$1,680$140
Safe Driver Age 40$1,592$133
Safe Driver Age 50$1,450$121
Safe Driver Age 60$1,422$119
High Deductibles Age 40$1,340$112
Discount Rate Age 40$1,324$110

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 $178 less per year than the Lexus NX 350, $206 less than the Mercedes-Benz GLC300, $484 less than the BMW X3, and $120 more than the Acura RDX.

The Cadillac XT4 ranks second out of 37 total vehicles in the small luxury SUV segment. The XT4 costs an estimated $1,592 per year for full coverage insurance and the category average rate is $1,909 per year, a difference of $317 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 37 models in the small luxury SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 January 23, 2023
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$1,472-$120
2Cadillac XT4$1,592--
3Volvo XC40$1,622$30
4Lexus UX 250h$1,650$58
5Mercedes-Benz GLA250$1,712$120
6Mercedes-Benz GLB 250$1,718$126
7Lexus NX 250$1,740$148
8Lexus NX 350h$1,760$168
9Lexus NX 350$1,770$178
10Lincoln Corsair$1,772$180
11Lexus NX 450h$1,776$184
12BMW X1$1,788$196
13Alfa Romeo Tonale$1,790$198
14Mercedes-Benz GLC300$1,798$206
15Lexus RZ 450e$1,802$210
16Volvo XC60$1,806$214
17Audi Q3$1,820$228
18Land Rover Evoque$1,828$236
19Volvo C40$1,846$254
20Infiniti QX55$1,908$316
21Mercedes-Benz GLA35 AMG$1,914$322
22Genesis GV70$1,944$352
23Mercedes-Benz EQB 300$1,954$362
24Genesis GV60$1,958$366
25Mercedes-Benz GLA45 AMG$1,968$376
26Alfa Romeo Stelvio$1,978$386
27Audi Q5$1,990$398
28Land Rover Range Rover Velar$1,996$404
29Mercedes-Benz EQB 350$2,000$408
30BMW X4$2,038$446
31Land Rover Defender$2,044$452
32Jaguar F-Pace$2,054$462
33Audi Q4$2,066$474
34Porsche Macan$2,070$478
35BMW X3$2,076$484
36Jaguar I-Pace$2,194$602
37Aston Martin DBX$3,424$1,832

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 2023 model, the average cost to buy a XT4 is $41,540, before destination charges and documentation fees.

The compact luxury SUV models closest in cost to the Cadillac XT4 for the 2023 model year are the BMW X1, Audi Q3, Mercedes-Benz GLB 250, and Mercedes-Benz GLA250.

The data below shows how those models compare to a 2023 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. BMW X1 – Having an average price of $41,200 ($39,100 to $43,300), the BMW X1 costs $340 less than the average cost for the XT4. Buying insurance for the BMW X1 costs an average of $196 more annually than the Cadillac XT4.
  • Cadillac XT4 vs. Audi Q3 – For a new model, the sticker price on the 2023 Audi Q3 averages $690 less than the XT4 ($40,850 compared to $41,540). Drivers can expect to pay approximately $228 more every 12 months for full-coverage insurance on the Audi Q3 compared to a XT4.
  • Cadillac XT4 vs. Mercedes-Benz GLB 250 – Having an average price of $42,350 and ranging from $39,800 to $44,900, the Mercedes-Benz GLB 250 costs $810 more than the average cost for the XT4. Expect to pay around $126 more annually for insurance on the Mercedes-Benz GLB 250 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 $1,690 less than the average MSRP for the XT4. Full-coverage car insurance on the Mercedes-Benz GLA250 costs an average of $120 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 $1,528 per year. The second cheapest model is the base Luxury AWD model at $1,572 per year.

The three Cadillac XT4 models with the most expensive insurance rates are the XT4 Sport 2WD, the Sport AWD, and the Premium Luxury 4WD trim levels at around $1,604,  $1,626, and $1,634 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 2023 model year package and trim level.

2023 Cadillac XT4 Insurance Cost by Trim Level
Cadillac XT4 Trim Level Annual Policy 6-month Policy Per Month
Luxury 2WD$1,528$764$127
Luxury AWD$1,572$786$131
Premium Luxury 2WD$1,592$796$133
Sport 2WD$1,604$802$134
Sport AWD$1,626$813$136
Premium Luxury 4WD$1,634$817$136

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 January 23, 2023
Cadillac XT4 Insurance Cost by Trim Level