Cadillac DTS Insurance Rates
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Michelle Robbins
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UPDATED: Apr 19, 2024
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U.S. average insurance rates for a Cadillac DTS are $1,152 a year for full coverage. Comprehensive insurance costs approximately $206, collision costs $314, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing $2,486 or more. 16-year-old drivers pay the highest rates at $4,524 a year or more.
Average premium for full coverage: $1,152
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all DTS models.
Price Range from Low to High
For the normal driver, Cadillac DTS insurance prices go from the low end price of $522 for just liability insurance to the much higher price of $2,486 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above show why everyone should compare prices using their specific location, 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.
More Rate Details
The chart below shows estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $684
- Using higher $1,000 deductibles will save $120 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,152
- Buying pricier low deductibles for physical damage coverage will cost an additional $226 annually
- High-risk insureds with multiple tickets or accidents could pay around $2,486 or more
- The price that insures a 16-year-old driver for full coverage can cost $4,524 or more
Insurance prices for a Cadillac DTS are also quite variable based on the model of your DTS, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Cadillac DTS insurance for high-risk drivers can be from 42% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age
The state you live in has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, 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% |
Opting for high physical damage deductibles could cut prices by as much as $350 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite different.
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 Find Affordable Cadillac DTS Insurance
Getting lower rates on insurance for a Cadillac DTS requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.
The following items are a brief review of the data presented in the illustrations above.
- Insureds who purchase additional liability coverage will pay around $520 each year to increase from a low limit to the 250/500 level
- Drivers can save around $130 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $350 each year
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $377 a month if full coverage is included
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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