Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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The average auto insurance rates for a Cadillac DTS are $1,110 annually with full coverage. Comprehensive insurance costs around $194 a year, collision insurance costs $284, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,394 or more. Teens cost the most to insure at up to $4,392 a year.
Average premium for full coverage: $1,110
Policy rates for type of insurance:
Includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and DTS trim levels.
Price Range Variability
For a driver in their 40's, Cadillac DTS insurance rates range from as cheap as $522 for minimum levels of liability insurance to a high of $2,394 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.
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 Details
The chart below details average Cadillac DTS insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $664
- Raising to $1,000 deductibles will save about $1,002 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,110
- Selecting low $100 deductibles costs an additional $210 every year
- At-risk drivers with serious driving violations could pay at least $2,394
- Policy cost with full coverage for a teen driver can be $4,392
Insurance rates for a Cadillac DTS also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Cadillac DTS insurance prices. A middle-age driver might find rates as low as $800 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,500 on average in Florida, Michigan, and New York.
| 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% |
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 Buy the Cheapest Cadillac DTS Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the data covered in the charts and tables above.
- Policyholders who may need higher liability limits will pay approximately $520 every year to raise from a 30/60 limit to higher 250/500 limits
- You may be able to save up to $130 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $325 each year
- Teens are charged the highest rates, as much as $366 each month if they have full coverage
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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