Cadillac DTS Insurance Rates

The average auto insurance rates for a Cadillac DTS are $1,198 annually with full coverage. Comprehensive costs an estimated $220 a year, collision insurance costs $342, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, and high-risk coverage costs around $2,592. Teens cost the most to insure at up to $4,680 a year.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below details average Cadillac DTS insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $708
• Choosing higher $1,000 deductibles can save approximately $1,072 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,198
• Selecting low $100 deductibles for comp and collision coverage will cost $1,446
• Higher-risk drivers with serious driving violations could pay up to $2,592
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,680 each year

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Cadillac DTS insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheap Cadillac DTS Insurance

Finding cheaper rates on insurance for a Cadillac DTS takes being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the material that was raised in the charts and tables above.

• Insureds who want more liability protection will pay approximately $530 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $390 each month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,390 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $375 each year