Cadillac DTS Insurance Rates

U.S. average insurance rates for a Cadillac DTS are $1,070 a year with full coverage. Comprehensive insurance costs on average $188, collision costs $256, and liability is $468. Liability-only insurance costs around $518 a year, with high-risk driver insurance costing $2,302 or more. Teenage drivers pay the highest rates at $4,250 a year or more.

Average premium for full coverage: $1,070

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why everyone should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below details estimated Cadillac DTS insurance rates for different risk profiles and scenarios.

• The best discount rate is $645
• Raising to $1,000 deductibles will save around $102 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,070
• Using pricier low deductibles will cost an additional $190 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,302 or more
• The price that insures a 16-year-old driver for full coverage may cost $4,250

View Chart as Image

Car insurance prices for a Cadillac DTS are also quite variable based on the model of your DTS, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,800 extra each year, depending on your age. Cadillac DTS insurance for high-risk drivers is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,200 a year. View Rates by Age

The state you live in also has a big influence on Cadillac DTS insurance prices. A middle-age driver might find prices as low as $770 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,450 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $300 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $421 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite 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 the Best Cheap Cadillac DTS Insurance

Getting lower rates on insurance for a Cadillac DTS consists of being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices once a year by requesting quotes from direct companies, and also from several local insurance agents.

Below you'll find a quick review of the data that was covered in the charts and tables above.

• You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
• Insureds who require more liability protection will pay an extra $520 every year to raise from a low limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $354 a month if full coverage is purchased
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,230 more each year than a low-risk driver