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 $1,152 annually including full coverage. Comprehensive insurance costs an estimated $206 a year, collision costs $314, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,486 or more. 16-year-old drivers cost the most to insure at $4,524 a year or more.
Average premium for full coverage: $1,152
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and DTS trim levels.
Price Range Variability
For a 40-year-old driver, Cadillac DTS insurance rates go from as cheap as $522 for just liability coverage to a high of $2,486 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates how your location can change insurance prices.
The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate 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.
Detailed Rate Analysis
The chart below breaks down estimated Cadillac DTS insurance rates for other coverage scenarios.
- The best full coverage rate is $684
- Choosing higher $1,000 deductibles can save approximately $1,032 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,152
- Buying low $100 deductibles for comp and collision coverage costs an additional $226 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,486 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $4,524 each year
Insurance rates for a Cadillac DTS also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $350 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac DTS insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,640 on average in Louisiana, New York, and Michigan.
| 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.
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 Buy the Right Cadillac DTS Insurance
Finding cheaper rates on insurance for a Cadillac DTS takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a quick rundown of the primary concepts that were illustrated above.
- You may be able to save approximately $130 per year simply by quoting early and online
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,330 more annually for car insurance
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Teenagers are charged the highest rates, with premiums being up to $377 each month including comprehensive and collision insurance
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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