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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,378 |
$250 | $1,274 |
$500 | $1,152 |
$1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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