Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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Estimated insurance prices for a Cadillac DTS are $1,198 every 12 months for full coverage insurance. Comprehensive costs approximately $220 a year, collision costs $342, and liability costs $478. A policy with only liability insurance costs as little as $526 a year, with a high-risk policy costing around $2,592. Teen drivers pay the most at $4,680 a year or more.
Average premium for full coverage: $1,198
Premium estimates by type of coverage:
Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and DTS trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac DTS go from the cheapest price of $526 for your basic liability-only policy to a high of $2,592 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences illustrate why it is important to compare rates using their specific location and their own driving history, instead of using price 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 Information
The chart below illustrates estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $708
- Drivers who choose higher $1,000 deductibles will pay $1,072 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,198
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,446
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,592 or more
- An auto insurance policy to insure a teen driver can cost $4,680 a year
Car insurance prices for a Cadillac DTS also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your DTS.
Choosing high deductibles could save up to $380 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Cadillac DTS insurance prices. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,620 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$112 | -9.3% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,366 | $168 | 14.0% |
| Colorado | $1,146 | -$52 | -4.3% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $812 | -$386 | -32.2% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $810 | -$388 | -32.4% |
| Kansas | $1,142 | -$56 | -4.7% |
| Kentucky | $1,638 | $440 | 36.7% |
| Louisiana | $1,774 | $576 | 48.1% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $960 | -$238 | -19.9% |
| Michigan | $2,086 | $888 | 74.1% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,290 | $92 | 7.7% |
| Nebraska | $946 | -$252 | -21.0% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $866 | -$332 | -27.7% |
| New Jersey | $1,342 | $144 | 12.0% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $692 | -$506 | -42.2% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,146 | -$52 | -4.3% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,052 | -$146 | -12.2% |
| Texas | $1,448 | $250 | 20.9% |
| Utah | $890 | -$308 | -25.7% |
| Vermont | $820 | -$378 | -31.6% |
| Virginia | $718 | -$480 | -40.1% |
| Washington | $926 | -$272 | -22.7% |
| West Virginia | $1,098 | -$100 | -8.3% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
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 | $220 | $342 | $478 | $1,198 |
| 2010 Cadillac DTS | $206 | $314 | $474 | $1,152 |
| 2008 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2007 Cadillac DTS | $184 | $250 | $460 | $1,052 |
| 2006 Cadillac DTS | $182 | $238 | $452 | $1,030 |
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 Shop for Cheaper Cadillac DTS Insurance
Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to compare rates at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following is a condensed summary of the primary concepts that were covered above.
- It is possible to save around $140 per year simply by quoting early and online
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,390 more per year for DTS insurance
- Increasing policy deductibles could save as much as $375 each year
- Teens pay the highest auto insurance prices, with premiums being up to $390 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,680 |
| 20 | $2,754 |
| 30 | $1,232 |
| 40 | $1,198 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,198 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,390 |
| 30 | $2,628 |
| 40 | $2,592 |
| 50 | $2,478 |
| 60 | $2,454 |
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 | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $48 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $490 |
Discounts are estimated and may not be available from every company or in every state.
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