Cadillac DTS Insurance Rates

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UPDATED: Apr 19, 2024

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The average insurance rates for a Cadillac DTS are $1,110 a year for full coverage insurance. Comprehensive costs approximately $194, collision insurance costs $284, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,394. Teens 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:

Comprehensive $194
Collision $284
Liability $474

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different DTS trim levels.

Price Range Variability

For the average driver, Cadillac DTS insurance rates range from the low end price of $522 for minimum levels of liability insurance to a much higher rate of $2,394 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,110
High Risk $2,394

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $833
Small Cities $1,166
Large Cities $1,499

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on averaged prices.

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.

Additional Rate Details

The chart below illustrates average Cadillac DTS insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $664
  • Using higher $1,000 deductibles will save $108 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,110
  • Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,320
  • High-risk insureds with serious driving violations could pay around $2,394
  • Policy cost that insures a 16-year-old driver with full coverage can cost $4,392 or more

View Chart as Image

Cadillac DTS insurance cost comparison chart
Column chart showing Cadillac DTS insurance rates range from $664 to $4,392 for full coverage

Insurance rates for a Cadillac DTS also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance can be from 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 a year, 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 has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,500 on average in Florida, New York, and Michigan.

Cadillac DTS Insurance Rates by State
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%

View Chart as Image

Cadillac DTS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 annually, while increasing your policy's liability limits will push rates upward. Switching 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

Cadillac DTS Insurance Rates by Model and Trim Level
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.

Cadillac DTS Insurance Rates by Model Year
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

Finding cheaper rates on insurance for a Cadillac DTS requires avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief review of the concepts that were touched on above.

  • Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,280 more per year to insure a Cadillac DTS
  • Drivers under the age of 20 are the costliest to insure, possibly costing $366 each month if comprehensive and collision insurance is included
  • It is possible to save around $130 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $325 each year
  • It is possible to save around $130 per year just by shopping early and online

Rates by Driver Age

Cadillac DTS Insurance 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

Cadillac DTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,320
$250 $1,224
$500 $1,110
$1,000 $1,002

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Insurance Rates with Different Liability Limits
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

Cadillac DTS Insurance 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.

SR-22 Surcharge $151

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
Rate after discounts $664

Discounts are estimated and may not be available from every company or in every state.

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