Cadillac DTS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,394. 16-year-old 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:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and DTS trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $522 for your basic liability-only policy to a high of $2,394 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities.
The diagram below illustrates how location impacts insurance prices.
These examples demonstrate why it is important to compare rates for a targeted area, rather than relying 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.
More Rate Information
The chart below details estimated Cadillac DTS insurance rates for other coverage scenarios.
- The best full coverage rate is $664
- Drivers who choose higher $1,000 deductibles will pay approximately $1,002 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,110
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,320
- High risk drivers with multiple tickets or accidents could pay up to $2,394 or more
- The cost that insures a teen driver can cost as much as $4,392 a year
Auto insurance rates for a Cadillac DTS can also vary considerably based on the trim level of your DTS, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, 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 cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,300 a year. View Rates by Age
Where you live makes a big difference in Cadillac DTS insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or at least $1,500 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,004 | -$106 | -9.5% |
| Alaska | $850 | -$260 | -23.4% |
| Arizona | $920 | -$190 | -17.1% |
| Arkansas | $1,110 | -$0 | 0.0% |
| California | $1,264 | $154 | 13.9% |
| Colorado | $1,060 | -$50 | -4.5% |
| Connecticut | $1,140 | $30 | 2.7% |
| Delaware | $1,256 | $146 | 13.2% |
| Florida | $1,390 | $280 | 25.2% |
| Georgia | $1,024 | -$86 | -7.7% |
| Hawaii | $796 | -$314 | -28.3% |
| Idaho | $750 | -$360 | -32.4% |
| Illinois | $826 | -$284 | -25.6% |
| Indiana | $834 | -$276 | -24.9% |
| Iowa | $748 | -$362 | -32.6% |
| Kansas | $1,056 | -$54 | -4.9% |
| Kentucky | $1,514 | $404 | 36.4% |
| Louisiana | $1,642 | $532 | 47.9% |
| Maine | $686 | -$424 | -38.2% |
| Maryland | $916 | -$194 | -17.5% |
| Massachusetts | $888 | -$222 | -20.0% |
| Michigan | $1,928 | $818 | 73.7% |
| Minnesota | $928 | -$182 | -16.4% |
| Mississippi | $1,330 | $220 | 19.8% |
| Missouri | $984 | -$126 | -11.4% |
| Montana | $1,192 | $82 | 7.4% |
| Nebraska | $874 | -$236 | -21.3% |
| Nevada | $1,332 | $222 | 20.0% |
| New Hampshire | $800 | -$310 | -27.9% |
| New Jersey | $1,240 | $130 | 11.7% |
| New Mexico | $984 | -$126 | -11.4% |
| New York | $1,170 | $60 | 5.4% |
| North Carolina | $640 | -$470 | -42.3% |
| North Dakota | $910 | -$200 | -18.0% |
| Ohio | $766 | -$344 | -31.0% |
| Oklahoma | $1,140 | $30 | 2.7% |
| Oregon | $1,016 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$50 | -4.5% |
| Rhode Island | $1,480 | $370 | 33.3% |
| South Carolina | $1,006 | -$104 | -9.4% |
| South Dakota | $938 | -$172 | -15.5% |
| Tennessee | $974 | -$136 | -12.3% |
| Texas | $1,340 | $230 | 20.7% |
| Utah | $822 | -$288 | -25.9% |
| Vermont | $760 | -$350 | -31.5% |
| Virginia | $664 | -$446 | -40.2% |
| Washington | $860 | -$250 | -22.5% |
| West Virginia | $1,018 | -$92 | -8.3% |
| Wisconsin | $770 | -$340 | -30.6% |
| Wyoming | $990 | -$120 | -10.8% |
Opting for high physical damage deductibles could save up to $320 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Premium 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Premium 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
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 | $194 | $284 | $474 | $1,110 |
| 2010 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2008 Cadillac DTS | $182 | $238 | $452 | $1,030 |
| 2007 Cadillac DTS | $166 | $226 | $446 | $996 |
| 2006 Cadillac DTS | $160 | $216 | $442 | $976 |
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 Find Affordable Cadillac DTS Insurance
Saving money on Cadillac DTS insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a brief review of the car insurance concepts touched on above.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,280 more annually to insure a Cadillac DTS
- You may be able to save approximately $130 per year simply by quoting early and online
- Increasing deductibles can save approximately $325 each year
- Drivers who want increased liability limits will pay around $520 every year to go from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,392 |
| 20 | $2,544 |
| 30 | $1,136 |
| 40 | $1,110 |
| 50 | $1,018 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,110 |
| $1,000 | $1,002 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,110 |
| 50/100 | $1,223 |
| 100/300 | $1,341 |
| 250/500 | $1,649 |
| 100 CSL | $1,270 |
| 300 CSL | $1,531 |
| 500 CSL | $1,721 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,208 |
| 20 | $4,058 |
| 30 | $2,422 |
| 40 | $2,394 |
| 50 | $2,290 |
| 60 | $2,266 |
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 | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $43 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $446 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
