Cadillac DTS Insurance Rates

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UPDATED: Apr 19, 2024

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Average insurance rates for a Cadillac DTS are $1,152 a year for full coverage. Comprehensive costs approximately $206, collision costs $314, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,486. 16-year-old drivers receive the highest rates at $4,524 a year or more.

Average premium for full coverage: $1,152

Rate estimates by individual coverage type:

Comprehensive $206
Collision $314
Liability $474

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different DTS trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $522 for just liability insurance to a much higher rate of $2,486 for high-risk insurance.

Liability Only $522
Full Coverage $1,152
High Risk $2,486

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $864
Small Cities $1,210
Large Cities $1,555

These examples show why anyone shopping for car insurance should compare prices using their specific location and risk profile, 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 average rate for a 40-year-old driver who chooses $500 deductibles is $1,152
  • Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,378
  • High-risk insureds with multiple tickets or accidents could pay around $2,486 or more
  • The cost for full coverage for a 16-year-old driver with full coverage can cost $4,524 or more

View Chart as Image

Cadillac DTS insurance cost comparison chart
Column chart showing full coverage Cadillac DTS insurance rates range from $684 to $4,524

Insurance rates for a Cadillac DTS can also vary considerably based on your driver profile, the trim level of your DTS, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates 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.

Cadillac DTS Insurance Rates by State
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%

View Chart as Image

Cadillac DTS insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $350 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be from 42% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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 $1,130 $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.

Cadillac DTS Insurance Rates by Model Year
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 More Affordable Cadillac DTS Insurance

Saving money on insurance for a Cadillac DTS requires being a safe and courteous driver, maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a summary of the material that was touched on in this article.

  • Insureds who purchase higher levels of liability will pay around $520 each year to increase from a minimum limit to 250/500 limits
  • Teenage drivers are expensive to insure, costing as high as $377 per month for full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,330 more per year for auto insurance
  • Increasing deductibles can save around $350 each year

Rates by Driver Age

Cadillac DTS Insurance 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

Cadillac DTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,378
$250 $1,274
$500 $1,152
$1,000 $1,032

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Insurance Rates with Different Liability Limits
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

Cadillac DTS Insurance 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.

SR-22 Surcharge $157

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
Rate after discounts $684

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

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