Cadillac DTS Insurance Rates
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Michelle Robbins
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UPDATED: Apr 19, 2024
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U.S. average insurance prices for a Cadillac DTS are $1,110 every 12 months for full coverage insurance. Comprehensive costs an estimated $194, collision costs $284, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,394. 16-year-old drivers pay the highest rates at $4,392 a year or more.
Average premium for full coverage: $1,110
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all DTS models.
Price Range from Low to High
For a driver in their 40's, Cadillac DTS insurance prices go from the cheapest price of $522 for just liability insurance to the much higher price of $2,394 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities.
The example below illustrates how location helps determine insurance prices.
The ranges above illustrate why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Cadillac DTS insurance rates for other coverage scenarios.
- The best full coverage rate is $664
- Using higher $1,000 deductibles will save approximately $108 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,110
- Buying pricier low deductibles for physical damage coverage increases the price to $1,320
- High-risk insureds with multiple tickets or accidents could pay up to $2,394 or more
- The price to insure a 16-year-old driver for full coverage can cost as much as $4,392 or more
Insurance prices for a Cadillac DTS are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $320 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,300 to $1,900 additional each year, depending on your age. Cadillac DTS insurance for high-risk drivers can be from 43% to 130% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see prices as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,500 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,004 | -$106 | -9.5% |
| Alaska | $850 | -$260 | -23.4% |
| Arizona | $920 | -$190 | -17.1% |
| Arkansas | $1,110 | -$0 | 0.0% |
| California | $1,264 | $154 | 13.9% |
| Colorado | $1,060 | -$50 | -4.5% |
| Connecticut | $1,140 | $30 | 2.7% |
| Delaware | $1,256 | $146 | 13.2% |
| Florida | $1,390 | $280 | 25.2% |
| Georgia | $1,024 | -$86 | -7.7% |
| Hawaii | $796 | -$314 | -28.3% |
| Idaho | $750 | -$360 | -32.4% |
| Illinois | $826 | -$284 | -25.6% |
| Indiana | $834 | -$276 | -24.9% |
| Iowa | $748 | -$362 | -32.6% |
| Kansas | $1,056 | -$54 | -4.9% |
| Kentucky | $1,514 | $404 | 36.4% |
| Louisiana | $1,642 | $532 | 47.9% |
| Maine | $686 | -$424 | -38.2% |
| Maryland | $916 | -$194 | -17.5% |
| Massachusetts | $888 | -$222 | -20.0% |
| Michigan | $1,928 | $818 | 73.7% |
| Minnesota | $928 | -$182 | -16.4% |
| Mississippi | $1,330 | $220 | 19.8% |
| Missouri | $984 | -$126 | -11.4% |
| Montana | $1,192 | $82 | 7.4% |
| Nebraska | $874 | -$236 | -21.3% |
| Nevada | $1,332 | $222 | 20.0% |
| New Hampshire | $800 | -$310 | -27.9% |
| New Jersey | $1,240 | $130 | 11.7% |
| New Mexico | $984 | -$126 | -11.4% |
| New York | $1,170 | $60 | 5.4% |
| North Carolina | $640 | -$470 | -42.3% |
| North Dakota | $910 | -$200 | -18.0% |
| Ohio | $766 | -$344 | -31.0% |
| Oklahoma | $1,140 | $30 | 2.7% |
| Oregon | $1,016 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$50 | -4.5% |
| Rhode Island | $1,480 | $370 | 33.3% |
| South Carolina | $1,006 | -$104 | -9.4% |
| South Dakota | $938 | -$172 | -15.5% |
| Tennessee | $974 | -$136 | -12.3% |
| Texas | $1,340 | $230 | 20.7% |
| Utah | $822 | -$288 | -25.9% |
| Vermont | $760 | -$350 | -31.5% |
| Virginia | $664 | -$446 | -40.2% |
| Washington | $860 | -$250 | -22.5% |
| West Virginia | $1,018 | -$92 | -8.3% |
| Wisconsin | $770 | -$340 | -30.6% |
| Wyoming | $990 | -$120 | -10.8% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Premium 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Premium 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Cadillac DTS | $194 | $284 | $474 | $1,110 |
| 2010 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2008 Cadillac DTS | $182 | $238 | $452 | $1,030 |
| 2007 Cadillac DTS | $166 | $226 | $446 | $996 |
| 2006 Cadillac DTS | $160 | $216 | $442 | $976 |
Rates are averaged for all Cadillac DTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Cadillac DTS Insurance
Getting lower rates on insurance for a Cadillac DTS requires avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a brief review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,280 more annually for car insurance
- Teenagers are expensive to insure, as much as $366 a month if full coverage is included
- It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $325 each year
- It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,392 |
| 20 | $2,544 |
| 30 | $1,136 |
| 40 | $1,110 |
| 50 | $1,018 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,110 |
| $1,000 | $1,002 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,110 |
| 50/100 | $1,223 |
| 100/300 | $1,341 |
| 250/500 | $1,649 |
| 100 CSL | $1,270 |
| 300 CSL | $1,531 |
| 500 CSL | $1,721 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,208 |
| 20 | $4,058 |
| 30 | $2,422 |
| 40 | $2,394 |
| 50 | $2,290 |
| 60 | $2,266 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $43 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $446 |
Discounts are estimated and may not be available from every company or in every state.
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