Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year for full coverage insurance. Comprehensive costs approximately $194, collision insurance costs $284, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,394. Teens cost the most to insure at up to $4,392 a year.

Average premium for full coverage: $1,110

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below illustrates average Cadillac DTS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $664
• Using higher $1,000 deductibles will save $108 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,110
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,320
• High-risk insureds with serious driving violations could pay around $2,394
• Policy cost that insures a 16-year-old driver with full coverage can cost $4,392 or more

View Chart as Image

Insurance rates for a Cadillac DTS also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance can be from 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age

Your home state has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,500 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 annually, while increasing your policy's liability limits will push rates upward. 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

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 Affordable Cadillac DTS Insurance

Finding cheaper rates on insurance for a Cadillac DTS requires avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief review of the concepts that were touched on above.

• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,280 more per year to insure a Cadillac DTS
• Drivers under the age of 20 are the costliest to insure, possibly costing $366 each month if comprehensive and collision insurance is included
• It is possible to save around $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• It is possible to save around $130 per year just by shopping early and online