Cadillac DTS Insurance Rates

Average insurance rates for a Cadillac DTS are $1,110 a year with full coverage. Comprehensive costs an estimated $194 a year, 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. Teenage drivers receive the highest rates at $4,392 a year or more.

Average premium for full coverage: $1,110

Rate estimates broken down by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and DTS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Information

The chart below details estimated Cadillac DTS insurance rates for other coverage scenarios.

• The best discount rate is $664
• Using higher $1,000 deductibles will save approximately $1,002 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,110
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,320
• Drivers who are prone to accidents and violations could pay up to $2,394 or more
• The cost for full coverage for a teen driver can cost as much as $4,392 or more

View Chart as Image

Auto insurance rates for a Cadillac DTS can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,300 a year. View Rates by Age

Where you live has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $800 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,500 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you may be forking out $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 Find Cheaper Cadillac DTS Insurance

Saving money on car insurance requires being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a condensed summary of the information covered in the above illustrations.

• You may be able to save approximately $130 per year simply by quoting early and online
• Teen drivers are the costliest to insure, with premiums as much as $366 per month if they have full coverage
• Increasing deductibles can save around $325 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,280 more annually to insure their DTS
• Policyholders who want more liability coverage will pay an extra $520 every year to increase from a minimum limit to 250/500 limits