Cadillac DTS Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Cadillac DTS are $1,110 every 12 months with full coverage. Comprehensive costs on average $194, collision costs $284, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,394. Teens pay the highest rates at $4,392 a year or more.
Average premium for full coverage: $1,110
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all DTS models.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac DTS insurance prices go from the cheapest price of $522 for liability-only coverage to the much higher price of $2,394 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why everyone should compare prices based on a specific location and their own driving history, rather than relying 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 Charts and Tables
The chart below details estimated Cadillac DTS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $664
- Using higher $1,000 deductibles will save around $108 annually
- The average price for the average middle-age driver with $500 deductibles is $1,110
- Selecting pricier low deductibles for physical damage coverage increases the price to $1,320
- Drivers with serious driving violations could pay upwards of $2,394 or more
- The price to insure a teen driver for full coverage may cost $4,392 or more
Auto insurance prices for a Cadillac DTS are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your DTS.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $320 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,300 to $1,900 in extra premium each year, depending on your age. Cadillac DTS insurance for high-risk drivers can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see prices as low as $800 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,500 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and quoted 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 | $1,090 | $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 2008 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 |
|---|---|---|---|---|
| 2008 Cadillac DTS | $194 | $284 | $474 | $1,110 |
| 2007 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2006 Cadillac DTS | $184 | $250 | $460 | $1,052 |
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 Shop for the Cheapest Cadillac DTS Insurance
Getting lower rates on Cadillac DTS insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the primary concepts that were raised in the charts and tables above.
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- High-risk drivers that have major violations or accidents may pay on average $1,280 more each year to insure their DTS
- Increasing physical damage deductibles could save as much as $325 each year
- Teen drivers are charged the highest prices, costing up to $366 a month if comprehensive and collision insurance is included
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.
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