Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year for full coverage. Comprehensive insurance costs approximately $194 a year, collision insurance costs $284, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,394 or more. Teenage drivers 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:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above show why it is important to get quotes using their specific location, rather than using average rates.

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

Additional Charts and Tables

The chart below shows 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 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,110
• Using low $100 deductibles for comp and collision coverage will cost an additional $210 each year
• Drivers who are prone to accidents and violations could pay around $2,394
• Policy cost that insures a teenage driver can cost $4,392 each year

View Chart as Image

Insurance rates for a Cadillac DTS also range considerably based on the trim level of your DTS, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, 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 plays a big part in determining prices for Cadillac DTS insurance rates. A good driver about age 40 could pay as low as $730 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,580 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $320 a year, while buying higher liability limits will push rates upward. Going 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 Low Cost Cadillac DTS Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices every time your policy renews by getting quotes from direct carriers, and also from insurance agencies where you live.

The following is a review of the information illustrated above.

• Drivers can save around $130 per year just by quoting early and online
• Teens are the costliest to insure, costing up to $366 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers who have several accidents or serious violations could be forced to pay on average $1,280 more per year for DTS insurance
• Consumers who purchase higher liability limits will pay an extra $520 each year to raise limits from a 30/60 limit to the 250/500 level