Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year including full coverage. Comprehensive costs approximately $194, collision costs $284, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,394. 16-year-old drivers cost the most to insure at $4,392 a year or more.

Average premium for full coverage: $1,110

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $664
• Drivers who choose higher $1,000 deductibles will pay $108 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,110
• Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,320
• High-risk insureds with multiple tickets or accidents could pay around $2,394 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,392 a year

View Chart as Image

Insurance rates for a Cadillac DTS also range considerably based on your risk profile, the model of your DTS, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age

Your home state makes a big difference in Cadillac DTS insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $320 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied from one company to the next.

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 the Best Cadillac DTS Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save around $130 per year simply by shopping early and online
• Drivers who tend to receive serious violations could be forced to pay on average $1,280 more per year to insure a Cadillac DTS
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $366 each month including comprehensive and collision insurance