Cadillac DTS Insurance Rates

The average insurance prices for a Cadillac DTS are $1,110 every 12 months for full coverage. Comprehensive insurance costs on average $194 a year, collision costs $284, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,394 or more. Teenage drivers cost the most to insure at $4,392 a year or more.

Average premium for full coverage: $1,110

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Cadillac DTS insurance rates for different risk profiles and scenarios.

• The best discount rate is $664
• Using higher $1,000 deductibles will save around $1,002 a year
• The average price for a good driver age 40 with $500 deductibles is $1,110
• Using low $100 deductibles for physical damage coverage costs an extra $210 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,394 or more
• Policy cost to insure a teenage driver may cost $4,392 or more

View Chart as Image

Car insurance rates for a Cadillac DTS also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your DTS.

Using high physical damage deductibles could cut rates by as much as $320 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see rates as low as $730 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,580 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Cadillac DTS Insurance

Finding cheaper rates on auto insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The following list is a brief recap of the coverage data touched on in this article.

• Drivers can save as much as $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $366 each month if the policy includes full coverage
• Drivers who tend to receive serious violations pay an average of $1,280 more each year than a safer driver