Is the 2021 Cadillac XT4 reliable?

The 2021 Cadillac XT4 has 15 complaints filed with NHTSA (0.5x the segment average). Our reliability verdict: above-average. Most common issue: FUEL SYSTEM problems.

What are common problems with the 2021 Cadillac XT4?

Top problems: FUEL SYSTEM (5 complaints, avg repair $500); ELECTRICAL (3 complaints, avg repair $500); DRIVER ASSIST/CAMERAS (2 complaints, avg repair $500). Issues typically appear around 50K miles.

Are there any recalls on the 2021 Cadillac XT4?

Yes, there are 1 recall(s): SEAT BELTS:CRITICAL FASTENERS. Contact any Cadillac dealer to verify if recalls have been completed on your specific vehicle.

How much does it cost to fuel a 2021 Cadillac XT4?

The 2021 Cadillac XT4 gets 24 MPG combined. At current US average gas prices, driving 12,000 miles per year costs roughly $2000. See the interactive fuel cost calculator on this page for state-specific pricing.

How much does it cost to insure a 2021 Cadillac XT4?

Estimated US average full-coverage insurance for the 2021 Cadillac XT4 is approximately $2,373/year (suv-luxury class). Actual quotes vary heavily by state, driver age, driving record, and credit — see the interactive insurance estimator on this page for state-specific pricing.

2021 Cadillac XT4

Problems, Recalls & Reliability Report

Above Average

Quick Summary

The 2021 Cadillac XT4 has 15 owner complaints filed with NHTSA — that's 0.5x the segment average of 28. The most common issue is fuel system problems (33% of all complaints), specifically: fuel pump module failed twice. there was no warning lamps, messages or other symptoms prior to the failure. the first time i was driving the second time the car was parked and did not start. see below for details. safety: thankfully i was not driving 70+mph down a busy highway when the car shut dow. There is 1 recall issued for this model year.

2 crash reports

Total Complaints

Recalls Issued

—/5

Safety Stars

0.5x

vs Segment Avg

Known Problems(top 5 of 7)

FUEL SYSTEM

5 complaints

33%

• Fuel pump module failed twice. There was no warning lamps, messages or other symptoms prior to the failure. The first time I was driving the second time the car was parked and did not start. See below for details. Safety: Thankfully i was not driving 70+MPH down a busy highway when the car shut dow
• The contact owns a 2021 Cadillac XT4. The contact stated while driving 40-45 MPH, the vehicle suddenly stopped, and was shifted into park but failed to restart. There were no warning lights illuminated. The vehicle was towed to the local dealer where it was diagnosed and determined that the fuel pum
• Vehicle stalled on the road,coming to a total stop,very dangerous because of the trafic.Vehicle cranks but not start.Fuel pump power control module failed,code p203f.Take to Vera Cadillac dealer for repair .This happened 2 times ,at 13765 milles and 29342 milles

Typical onset: 50K miles Est. repair: $500

“Fuel pump module failed twice. There was no warning lamps, messages or other symptoms prior to the failure. The first time I was driving the second time the car was parked and did not start. See below for details. Safety: Thankfully i was not driving 70+MPH down a busy highway when the car shut dow”

— NHTSA complaint filing

Recalls (1)

SEAT BELTS:CRITICAL FASTENERS20/08/2021

General Motors, LLC (GM) is recalling certain 2016-2021 Chevrolet Malibu and 2019-2021 Cadillac XT4 vehicles. The rear seat belt retractors may be improperly secured with loose or missing fasteners.

Risk: An improperly secured seat belt retractor may not function properly in a crash, increasing the risk of injury.

Fix: Dealers will inspect and tighten the rear seat belt retractors, as necessary, free of charge. Owner notification letters were mailed on September 17, 2021. Owners may contact Chevrolet customer service at 1-800-222-1020 and Cadillac customer service at 1-800-458-8006. GM's number for this recall is N212333380.

Fuel Cost Calculator for 2021 Cadillac XT4

Live EIA prices

Annual miles driven: 12,000

Your state (affects local gasoline price)

Per year

$2,001

Per month

$167

Per mile

16.7¢

MPG

City driving (worst-case MPG)

$2,182/yr

Highway driving (best-case MPG)

$1,656/yr

Based on EPA fuel-economy ratings and EIA weekly retail prices (2026-07-20). Real-world cost varies with driving style, trim/engine, terrain, and traffic.

5-Year Gas Price History

EIA weekly retail data · 2021 → today

Show:

Current

$4.00

5-year low

$2.78

5-year high

$5.01

Since 2021

+27%

Source: US Energy Information Administration weekly retail gasoline prices.

Estimated Insurance Cost for 2021 Cadillac XT4

Estimate only, not a quote. Modeled from NAIC + HLDI averages for a hypothetical 35-year-old driver with clean record + full coverage. Your actual quote depends heavily on your age, driving history, credit, ZIP code, and insurer.

Your state (affects local premium average)

Full coverage / year

$2,373

Full coverage / month

$198

Liability only / year

$732

vs US avg

+42%

How this estimate is calculated

US base full-coverage premium$1674

× state (US)1.00x

× vehicle class (suv-luxury)1.35x

× theft risk1.00x

× safety rating1.00x

× vehicle age1.05x

= Full coverage estimate$2373

Coverage assumed: 100/300/100 liability + comprehensive/collision, $500 deductibles. Data sources: NAIC 2024 + HLDI loss studies.

Maintenance & Warranty

Cadillac New-Vehicle Warranty Coverage

Bumper-to-bumper (basic)

4 yr / 50K mi

Powertrain

6 yr / 70K mi

Hybrid/EV battery

8 yr / 100K mi

Corrosion (rust perforation)

6 yr / 100K mi

Roadside assistance

6 yr / 70K mi

These are the terms for a new Cadillac. If you're buying a used 2021 XT4, remaining coverage is usually pro-rated from the vehicle's original in-service date. Not all coverage transfers between owners — check with a Cadillac dealer for VIN-specific remaining warranty.

Estimated Repair Costs

FUEL SYSTEM(~50K mi)

$500

ELECTRICAL(~50K mi)

$500

DRIVER ASSIST/CAMERAS(~50K mi)

$500

ENGINE(~50K mi)

$500

AIR BAGS(~50K mi)

$500

Estimates based on average reported repair costs. Actual costs vary by location, shop, and severity.

🔍 Pre-Purchase Inspection Checklist

Based on 15 owner complaints for this specific year, here's what to check or ask about:

☐
FUEL SYSTEM: Fuel pump module failed twice. There was no warning lamps, messages or other symptoms prior to the failure. The first time I was driving the second time the car was parked and did not start. See below for details. Safety: Thankfully i was not driving 70+MPH down a busy highway when the car shut dow
Typically appears around 50K miles. Repair cost ~$500
☐
ELECTRICAL: The contact owns a 2021 Cadillac XT4. The contact stated that while driving in stop-and-go traffic, the contact rear-ended a vehicle in front. The contact crashed the vehicle at approximately 5 mph; however, the collision caused severe front end damage to the vehicle. The air bag did not deploy and
Typically appears around 50K miles. Repair cost ~$500
☐
DRIVER ASSIST/CAMERAS: The contact owns a 2021 Cadillac XT4. The contact stated that while driving in stop-and-go traffic, the contact rear-ended a vehicle in front. The contact crashed the vehicle at approximately 5 mph; however, the collision caused severe front end damage to the vehicle. The air bag did not deploy and
Typically appears around 50K miles. Repair cost ~$500
☐
ENGINE: The contact owns a 2021 Cadillac XT4. The contact stated that while stopped at a traffic signal, the signal turned green; however, when the accelerator pedal was depressed, the vehicle hesitated before responding as needed. The contact stated that the vehicle lunged into motion. The contact stated t
Typically appears around 50K miles. Repair cost ~$500
☐
RECALLS: Verify all 1 recall have been completed — free at any Cadillac dealer
☐
General: Get a pre-purchase inspection from an independent mechanic ($100-$200)