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Cadillac DTS Luxury 4-Dr Sedan Insurance Rates

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Estimated auto insurance rates for a Cadillac DTS Luxury 4-Dr Sedan are $1,680 annually including full coverage. Comprehensive insurance costs on average $396, collision insurance costs $762, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs $3,640 or more. Teenage drivers pay the most at up to $6,040 a year.

Annual premium for full coverage: $1,680

Premium estimates by type of coverage:

Comprehensive $396
Collision $762
Liability $364

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

Price Range for Insurance for this Cadillac DTS Trim Level

For the normal driver, insurance rates for a Cadillac DTS Luxury 4-Dr Sedan range from as cheap as $430 for a discount liability-only rate to the much higher price of $3,640 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,680
High Risk $3,640

These rate differences highlight why everyone should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance rates for a Cadillac DTS Luxury 4-Dr Sedan also have a wide range based on the replacement cost of your DTS, your driving characteristics, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $6,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $2,000 to $2,700 extra annually, depending on your age. Cadillac DTS Luxury 4-Dr Sedan insurance for high-risk drivers can be around 45% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $780 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Cadillac DTS Luxury 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the rates will be substantially different between companies.

View Chart as Image

Cadillac DTS Luxury 4-Dr Sedan insurance cost comparison chart
Column chart showing Cadillac DTS Luxury 4-Dr Sedan insurance prices range from $944 to $6,040 for full coverage

The chart above shows average Cadillac DTS Luxury 4-Dr Sedan insurance prices for various situations. The cheapest price with discounts is $944. Drivers who use higher $1,000 deductibles will pay about $1,418. The average price for a 40-year-old male driver using $500 deductibles is $1,680. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $2,190. Drivers with multiple violations and accidents could be charged up to $3,640. The rate for full coverage for a teen driver can be as high as $6,040.

Cadillac DTS Luxury 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,518 -$162 -9.6%
Alaska $1,288 -$392 -23.3%
Arizona $1,394 -$286 -17.0%
Arkansas $1,680 -$0 0.0%
California $1,914 $234 13.9%
Colorado $1,606 -$74 -4.4%
Connecticut $1,726 $46 2.7%
Delaware $1,902 $222 13.2%
Florida $2,102 $422 25.1%
Georgia $1,552 -$128 -7.6%
Hawaii $1,206 -$474 -28.2%
Idaho $1,136 -$544 -32.4%
Illinois $1,252 -$428 -25.5%
Indiana $1,264 -$416 -24.8%
Iowa $1,134 -$546 -32.5%
Kansas $1,598 -$82 -4.9%
Kentucky $2,290 $610 36.3%
Louisiana $2,486 $806 48.0%
Maine $1,036 -$644 -38.3%
Maryland $1,384 -$296 -17.6%
Massachusetts $1,342 -$338 -20.1%
Michigan $2,918 $1,238 73.7%
Minnesota $1,406 -$274 -16.3%
Mississippi $2,012 $332 19.8%
Missouri $1,490 -$190 -11.3%
Montana $1,804 $124 7.4%
Nebraska $1,324 -$356 -21.2%
Nevada $2,014 $334 19.9%
New Hampshire $1,210 -$470 -28.0%
New Jersey $1,876 $196 11.7%
New Mexico $1,486 -$194 -11.5%
New York $1,768 $88 5.2%
North Carolina $968 -$712 -42.4%
North Dakota $1,376 -$304 -18.1%
Ohio $1,160 -$520 -31.0%
Oklahoma $1,726 $46 2.7%
Oregon $1,538 -$142 -8.5%
Pennsylvania $1,602 -$78 -4.6%
Rhode Island $2,240 $560 33.3%
South Carolina $1,522 -$158 -9.4%
South Dakota $1,416 -$264 -15.7%
Tennessee $1,470 -$210 -12.5%
Texas $2,026 $346 20.6%
Utah $1,246 -$434 -25.8%
Vermont $1,148 -$532 -31.7%
Virginia $1,006 -$674 -40.1%
Washington $1,298 -$382 -22.7%
West Virginia $1,540 -$140 -8.3%
Wisconsin $1,162 -$518 -30.8%
Wyoming $1,496 -$184 -11.0%

View Chart as Image

Cadillac DTS Luxury 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Cadillac DTS Luxury 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $6,040
20 $3,886
30 $1,770
40 $1,680
50 $1,530
60 $1,502

Full coverage, $500 deductibles

Rates by Deductible

Cadillac DTS Luxury 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,190
$250 $1,954
$500 $1,680
$1,000 $1,418

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Luxury 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,680
50/100 $1,753
100/300 $1,844
250/500 $2,080
100 CSL $1,789
300 CSL $1,989
500 CSL $2,135

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac DTS Luxury 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,670
20 $6,178
30 $3,740
40 $3,640
50 $3,472
60 $3,440

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.

SR-22 Surcharge $237

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $91
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $133
5-yr Claim Free $110
Paid in Full/EFT $84
Advance Quote $87
Online Quote $122
Total Discounts $736
Rate after discounts $944

Discounts are estimated and may not be available from every company or in every state.

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