Cadillac DTS Insurance Rates

Average auto insurance rates for a Cadillac DTS are $1,110 annually including full coverage. Comprehensive costs approximately $194 a year, collision insurance costs $284, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,394. Teenage drivers receive the highest rates at up to $4,392 a year.

Average premium for full coverage: $1,110

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and DTS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $664
• Choosing higher $1,000 deductibles can save $1,002 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,110
• Using low $100 deductibles for comp and collision coverage will cost $1,320
• High-risk insureds who are prone to accidents and violations could pay around $2,394
• The cost with full coverage for a teen driver can cost $4,392 each year

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Insurance rates for a Cadillac DTS can also vary considerably based on the trim level of your DTS, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $320 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Cadillac DTS insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy Low Cost Cadillac DTS Insurance

Saving money on Cadillac DTS insurance takes being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

Below you'll find a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $130 per year just by quoting early and online
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,280 more per year than a low-risk driver
• Increasing deductibles could save up to $325 each year
• Youthful drivers are the costliest to insure, as much as $366 per month if they have full coverage