Cadillac DTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 19, 2024

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The average insurance prices for a Cadillac DTS are $1,152 every 12 months for full coverage insurance. Comprehensive costs approximately $206 each year, 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. Teenage drivers cost the most to insure at $4,524 a year or more.

Average premium for full coverage: $1,152

Policy rates by type of insurance:

Comprehensive $206
Collision $314
Liability $474

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and DTS models.

Price Range Variability

For a driver in their 40's, Cadillac DTS insurance rates go from the cheapest price of $522 for just liability insurance to a high rate of $2,486 for a driver required to buy high-risk insurance.

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

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 more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

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

The examples above illustrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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 illustrates estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $684
  • Using higher $1,000 deductibles will save $120 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,152
  • Using low deductibles for physical damage coverage increases the price to $1,378
  • High-risk insureds who are prone to accidents and violations could pay around $2,486 or more
  • Policy cost to insure a 16-year-old driver 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

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

Using high physical damage deductibles could cut rates by as much as $350 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be from 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.

Cadillac DTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,042 -$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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for the Best Cheap Cadillac DTS Insurance

Finding cheaper rates on insurance for a Cadillac DTS requires being a low-risk driver, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick review of the data covered in the charts and tables above.

  • Insureds who purchase more liability coverage will pay an extra $520 annually to increase from a 30/60 limit to a 250/500 level
  • It is possible to save around $130 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • Teen drivers pay the highest auto insurance rates, possibly costing $377 each month if the policy includes full coverage

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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