Cadillac DTS 4-Dr Sedan Insurance Rates

Estimated auto insurance rates for a Cadillac DTS 4-Dr Sedan are $1,634 annually for full coverage insurance. Comprehensive costs an estimated $382, collision costs $730, and liability coverage costs around $364. A liability-only policy costs as low as $430 a year, with high-risk insurance costing around $3,538. Teenage drivers pay the most at $5,896 a year or more.

Annual premium for full coverage: $1,634

Premium estimates broken down by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Cadillac DTS Trim Level

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Cadillac DTS 4-Dr Sedan also have a wide range based on the replacement cost of your DTS, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,900 to $2,600 in extra premium annually, depending on your age. Cadillac DTS 4-Dr Sedan insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $750 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Cadillac DTS 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or be forced to pay as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted rates will be substantially different between companies.

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The chart estimates Cadillac DTS 4-Dr Sedan insurance prices for different situations. The cheapest price with discounts is $921. Drivers who use higher $1,000 deductibles will pay about $1,382. The average price for a driver around age 40 using $500 deductibles is $1,634. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $2,126. Drivers with multiple violations and accidents could be charged up to $3,538. The rate for full coverage insurance for a teenage driver can be as high as $5,896.

View Chart as Image