Cadillac DTS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 19, 2024
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Estimated auto insurance rates for a Cadillac DTS are $1,152 annually for full coverage. Comprehensive costs on average $206 each year, collision costs $314, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,486. Teen drivers pay the most at $4,524 a year or more.
Average premium for full coverage: $1,152
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and DTS models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac DTS go from as cheap as $522 for just the minimum liability insurance to a high rate of $2,486 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than larger metro areas.
The graphic below illustrates how where you live affects car insurance rates.
These rate differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using price 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.
Additional Rate Analysis
The chart below shows estimated Cadillac DTS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $684
- Using higher $1,000 deductibles will save around $120 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,152
- Choosing low deductibles for physical damage coverage will cost $1,378
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,486 or more
- An auto insurance policy with full coverage for a teen driver may cost $4,524 or more
Insurance prices for a Cadillac DTS also have a wide range based on the model of your DTS, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $350 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,640 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,042 | -$110 | -9.5% |
| Alaska | $882 | -$270 | -23.4% |
| Arizona | $954 | -$198 | -17.2% |
| Arkansas | $1,152 | -$0 | 0.0% |
| California | $1,312 | $160 | 13.9% |
| Colorado | $1,100 | -$52 | -4.5% |
| Connecticut | $1,184 | $32 | 2.8% |
| Delaware | $1,304 | $152 | 13.2% |
| Florida | $1,440 | $288 | 25.0% |
| Georgia | $1,062 | -$90 | -7.8% |
| Hawaii | $828 | -$324 | -28.1% |
| Idaho | $778 | -$374 | -32.5% |
| Illinois | $858 | -$294 | -25.5% |
| Indiana | $866 | -$286 | -24.8% |
| Iowa | $776 | -$376 | -32.6% |
| Kansas | $1,096 | -$56 | -4.9% |
| Kentucky | $1,570 | $418 | 36.3% |
| Louisiana | $1,702 | $550 | 47.7% |
| Maine | $710 | -$442 | -38.4% |
| Maryland | $948 | -$204 | -17.7% |
| Massachusetts | $920 | -$232 | -20.1% |
| Michigan | $2,002 | $850 | 73.8% |
| Minnesota | $962 | -$190 | -16.5% |
| Mississippi | $1,378 | $226 | 19.6% |
| Missouri | $1,020 | -$132 | -11.5% |
| Montana | $1,236 | $84 | 7.3% |
| Nebraska | $908 | -$244 | -21.2% |
| Nevada | $1,380 | $228 | 19.8% |
| New Hampshire | $828 | -$324 | -28.1% |
| New Jersey | $1,286 | $134 | 11.6% |
| New Mexico | $1,020 | -$132 | -11.5% |
| New York | $1,212 | $60 | 5.2% |
| North Carolina | $662 | -$490 | -42.5% |
| North Dakota | $942 | -$210 | -18.2% |
| Ohio | $794 | -$358 | -31.1% |
| Oklahoma | $1,182 | $30 | 2.6% |
| Oregon | $1,054 | -$98 | -8.5% |
| Pennsylvania | $1,100 | -$52 | -4.5% |
| Rhode Island | $1,534 | $382 | 33.2% |
| South Carolina | $1,042 | -$110 | -9.5% |
| South Dakota | $972 | -$180 | -15.6% |
| Tennessee | $1,008 | -$144 | -12.5% |
| Texas | $1,388 | $236 | 20.5% |
| Utah | $852 | -$300 | -26.0% |
| Vermont | $788 | -$364 | -31.6% |
| Virginia | $690 | -$462 | -40.1% |
| Washington | $890 | -$262 | -22.7% |
| West Virginia | $1,054 | -$98 | -8.5% |
| Wisconsin | $798 | -$354 | -30.7% |
| Wyoming | $1,028 | -$124 | -10.8% |
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,130 | $94 |
| Cadillac DTS 4-Dr Sedan | $1,130 | $94 |
| Cadillac DTS 4-Dr Sedan | $1,130 | $94 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,152 | $96 |
| Cadillac DTS Premium 4-Dr Sedan | $1,152 | $96 |
| Cadillac DTS Premium 4-Dr Sedan | $1,152 | $96 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
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 | $206 | $314 | $474 | $1,152 |
| 2010 Cadillac DTS | $194 | $284 | $474 | $1,110 |
| 2008 Cadillac DTS | $184 | $250 | $460 | $1,052 |
| 2007 Cadillac DTS | $182 | $238 | $452 | $1,030 |
| 2006 Cadillac DTS | $166 | $226 | $446 | $996 |
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 Buy More Affordable Cadillac DTS Insurance
Finding better rates on car insurance requires being safe and accident-free, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop at every other renewal by quoting rates from direct carriers, and also from local insurance agents.
Below you'll find a summary of the concepts that were touched on in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,330 more each year than a low-risk driver
- Youthful drivers pay higher prices, as much as $377 per month if they have full coverage
- Drivers can save as much as $130 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $350 each year
- Drivers can save as much as $130 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,524 |
| 20 | $2,640 |
| 30 | $1,182 |
| 40 | $1,152 |
| 50 | $1,054 |
| 60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,378 |
| $250 | $1,274 |
| $500 | $1,152 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,152 |
| 50/100 | $1,265 |
| 100/300 | $1,383 |
| 250/500 | $1,691 |
| 100 CSL | $1,312 |
| 300 CSL | $1,573 |
| 500 CSL | $1,763 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,404 |
| 20 | $4,212 |
| 30 | $2,516 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,352 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $468 |
Discounts are estimated and may not be available from every company or in every state.
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