Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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The average insurance rates for a Cadillac DTS are $1,152 a year for full coverage insurance. Comprehensive costs on average $206 a year, collision insurance costs $314, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,486. Teen drivers cost the most to insure at up to $4,524 a year.
Average premium for full coverage: $1,152
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and DTS trim levels.
Price Range Variability
For a driver around age 40, Cadillac DTS insurance rates range from the low end price of $522 for minimum levels of liability insurance to a high of $2,486 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why it is important to compare prices based on a specific location, rather than 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 Details
The chart below illustrates average 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 $1,032 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,152
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,378
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,486
- Policy cost that insures a teenage driver may cost $4,524 or more
Insurance rates for a Cadillac DTS also range considerably based on the trim level of your DTS, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age
Your home state has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,560 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could cut rates by as much as $350 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
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 Find Low Cost Cadillac DTS Insurance
Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Shop around every couple of years by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a review of the material that was covered above.
- Consumers who require more liability coverage will pay about $520 annually to increase from a 30/60 limit to the 250/500 level
- Teen drivers pay higher rates, possibly costing $377 each month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $1,330 more each year to insure their DTS
- Increasing comprehensive and collision deductibles can save approximately $350 each year
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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