Cadillac DTS Insurance Rates

Average insurance rates for a Cadillac DTS are $1,070 a year including full coverage. Comprehensive costs approximately $188 each year, collision costs $256, and liability costs $468. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $2,302. Teens receive the highest rates at $4,250 a year or more.

Average premium for full coverage: $1,070

Rate estimates by individual coverage type:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and DTS models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why all drivers should compare rates using their specific location, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $645
• Drivers who choose higher $1,000 deductibles will pay $102 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,070
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,260
• Drivers with serious driving violations could pay around $2,302 or more
• The cost that insures a 16-year-old driver can cost $4,250 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,200 a year. View Rates by Age

Where you live makes a big difference in Cadillac DTS insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,530 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $421 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every company calculates rates differently, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Cadillac DTS Insurance

Saving money on insurance for a Cadillac DTS not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a review of the data that was covered in the above illustrations.

• You may be able to save around $120 per year simply by quoting online in advance
• Insureds who purchase more liability coverage will pay approximately $520 per year to go from a minimum limit to the 250/500 level
• Teen drivers are expensive to insure, as much as $354 per month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations will likely pay on average $1,230 more per year to insure their DTS