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Cadillac DTS Platinum 4-Dr Sedan Insurance Rates

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The average insurance prices for a Cadillac DTS Platinum 4-Dr Sedan are $1,726 every 12 months with full coverage. Comprehensive insurance costs an estimated $410, collision insurance costs $794, and liability costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $3,740 or more. Teenage drivers cost the most to insure at up to $6,186 a year.

Annual premium for full coverage: $1,726

Policy rates broken down by type of coverage:

Comprehensive $410
Collision $794
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 average driver, Cadillac DTS Platinum 4-Dr Sedan insurance rates range from the cheapest price of $430 for the bare minimum liability coverage to the much higher price of $3,740 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,726
High Risk $3,740

These price differences demonstrate why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on 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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Car insurance rates for a Cadillac DTS Platinum 4-Dr Sedan also range considerably based on liability limits and deductibles, your driving record, and the model year.

Using high physical damage deductibles could cut rates by as much as $810 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $2,000 to $2,700 extra every year, depending on your age. Cadillac DTS Platinum 4-Dr Sedan insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac DTS Platinum 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

Cadillac DTS Platinum 4-Dr Sedan insurance cost comparison chart
Column chart showing Cadillac DTS Platinum 4-Dr Sedan insurance prices range from $968 to $6,186 for full coverage

The chart above shows Cadillac DTS Platinum 4-Dr Sedan insurance rates for various coverage choices and risks. The cheapest discount rate is $968. Drivers who use higher $1,000 deductibles will pay $1,452. The average rate for a driver around age 40 using $500 deductibles is $1,726. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,258. Drivers with multiple violations and accidents could be charged around $3,740. The rate for full coverage for a teenage driver can be as high as $6,186.

Cadillac DTS Platinum 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,558 -$168 -9.7%
Alaska $1,322 -$404 -23.4%
Arizona $1,432 -$294 -17.0%
Arkansas $1,726 -$0 0.0%
California $1,966 $240 13.9%
Colorado $1,650 -$76 -4.4%
Connecticut $1,774 $48 2.8%
Delaware $1,954 $228 13.2%
Florida $2,158 $432 25.0%
Georgia $1,592 -$134 -7.8%
Hawaii $1,240 -$486 -28.2%
Idaho $1,168 -$558 -32.3%
Illinois $1,286 -$440 -25.5%
Indiana $1,300 -$426 -24.7%
Iowa $1,164 -$562 -32.6%
Kansas $1,642 -$84 -4.9%
Kentucky $2,354 $628 36.4%
Louisiana $2,554 $828 48.0%
Maine $1,064 -$662 -38.4%
Maryland $1,422 -$304 -17.6%
Massachusetts $1,380 -$346 -20.0%
Michigan $2,998 $1,272 73.7%
Minnesota $1,444 -$282 -16.3%
Mississippi $2,068 $342 19.8%
Missouri $1,530 -$196 -11.4%
Montana $1,852 $126 7.3%
Nebraska $1,360 -$366 -21.2%
Nevada $2,068 $342 19.8%
New Hampshire $1,244 -$482 -27.9%
New Jersey $1,928 $202 11.7%
New Mexico $1,528 -$198 -11.5%
New York $1,816 $90 5.2%
North Carolina $994 -$732 -42.4%
North Dakota $1,414 -$312 -18.1%
Ohio $1,190 -$536 -31.1%
Oklahoma $1,772 $46 2.7%
Oregon $1,580 -$146 -8.5%
Pennsylvania $1,644 -$82 -4.8%
Rhode Island $2,300 $574 33.3%
South Carolina $1,564 -$162 -9.4%
South Dakota $1,456 -$270 -15.6%
Tennessee $1,510 -$216 -12.5%
Texas $2,080 $354 20.5%
Utah $1,278 -$448 -26.0%
Vermont $1,180 -$546 -31.6%
Virginia $1,034 -$692 -40.1%
Washington $1,332 -$394 -22.8%
West Virginia $1,582 -$144 -8.3%
Wisconsin $1,194 -$532 -30.8%
Wyoming $1,538 -$188 -10.9%

View Chart as Image

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

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Rates by Driver Age

Cadillac DTS Platinum 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $6,186
20 $3,992
30 $1,818
40 $1,726
50 $1,570
60 $1,542

Full coverage, $500 deductibles

Rates by Deductible

Cadillac DTS Platinum 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,258
$250 $2,010
$500 $1,726
$1,000 $1,452

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Platinum 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,726
50/100 $1,799
100/300 $1,890
250/500 $2,126
100 CSL $1,835
300 CSL $2,035
500 CSL $2,181

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac DTS Platinum 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,884
20 $6,348
30 $3,844
40 $3,740
50 $3,566
60 $3,534

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 $245

Potential Rate Discounts

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

Discount Savings
Multi-policy $94
Multi-vehicle $89
Homeowner $23
5-yr Accident Free $137
5-yr Claim Free $113
Paid in Full/EFT $87
Advance Quote $90
Online Quote $125
Total Discounts $758
Rate after discounts $968

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

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