Cadillac DTS Insurance Rates
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Michelle Robbins
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UPDATED: Apr 19, 2024
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Average insurance prices for a Cadillac DTS are $1,152 every 12 months for full coverage. Comprehensive costs an estimated $206, collision costs $314, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,486. 16-year-old drivers receive the highest rates at $4,524 a year or more.
Average premium for full coverage: $1,152
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different DTS trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $522 for a discount liability-only rate to a much higher rate of $2,486 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.
The price range example below illustrates how location impacts insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on rate 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.
Rates by State, City, and Model
The chart below shows estimated Cadillac DTS insurance rates for other coverage scenarios.
- The best full coverage rate is $684
- Using higher $1,000 deductibles will save approximately $120 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,152
- Buying more expensive low deductibles for physical damage coverage increases the price to $1,378
- High-risk insureds with multiple tickets or accidents could pay up to $2,486 or more
- The cost to insure a 16-year-old driver with full coverage can cost as much as $4,524 or more
Insurance rates for a Cadillac DTS can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $350 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance can be from 42% to 135% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,042 | -$110 | -9.5% |
Alaska | $882 | -$270 | -23.4% |
Arizona | $954 | -$198 | -17.2% |
Arkansas | $1,152 | -$0 | 0.0% |
California | $1,312 | $160 | 13.9% |
Colorado | $1,100 | -$52 | -4.5% |
Connecticut | $1,184 | $32 | 2.8% |
Delaware | $1,304 | $152 | 13.2% |
Florida | $1,440 | $288 | 25.0% |
Georgia | $1,062 | -$90 | -7.8% |
Hawaii | $828 | -$324 | -28.1% |
Idaho | $778 | -$374 | -32.5% |
Illinois | $858 | -$294 | -25.5% |
Indiana | $866 | -$286 | -24.8% |
Iowa | $776 | -$376 | -32.6% |
Kansas | $1,096 | -$56 | -4.9% |
Kentucky | $1,570 | $418 | 36.3% |
Louisiana | $1,702 | $550 | 47.7% |
Maine | $710 | -$442 | -38.4% |
Maryland | $948 | -$204 | -17.7% |
Massachusetts | $920 | -$232 | -20.1% |
Michigan | $2,002 | $850 | 73.8% |
Minnesota | $962 | -$190 | -16.5% |
Mississippi | $1,378 | $226 | 19.6% |
Missouri | $1,020 | -$132 | -11.5% |
Montana | $1,236 | $84 | 7.3% |
Nebraska | $908 | -$244 | -21.2% |
Nevada | $1,380 | $228 | 19.8% |
New Hampshire | $828 | -$324 | -28.1% |
New Jersey | $1,286 | $134 | 11.6% |
New Mexico | $1,020 | -$132 | -11.5% |
New York | $1,212 | $60 | 5.2% |
North Carolina | $662 | -$490 | -42.5% |
North Dakota | $942 | -$210 | -18.2% |
Ohio | $794 | -$358 | -31.1% |
Oklahoma | $1,182 | $30 | 2.6% |
Oregon | $1,054 | -$98 | -8.5% |
Pennsylvania | $1,100 | -$52 | -4.5% |
Rhode Island | $1,534 | $382 | 33.2% |
South Carolina | $1,042 | -$110 | -9.5% |
South Dakota | $972 | -$180 | -15.6% |
Tennessee | $1,008 | -$144 | -12.5% |
Texas | $1,388 | $236 | 20.5% |
Utah | $852 | -$300 | -26.0% |
Vermont | $788 | -$364 | -31.6% |
Virginia | $690 | -$462 | -40.1% |
Washington | $890 | -$262 | -22.7% |
West Virginia | $1,054 | -$98 | -8.5% |
Wisconsin | $798 | -$354 | -30.7% |
Wyoming | $1,028 | -$124 | -10.8% |
With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Cadillac DTS 4-Dr Sedan | $1,130 | $94 |
Cadillac DTS 4-Dr Sedan | $1,130 | $94 |
Cadillac DTS 4-Dr Sedan | $1,130 | $94 |
Cadillac DTS Luxury 4-Dr Sedan | $1,152 | $96 |
Cadillac DTS Premium 4-Dr Sedan | $1,152 | $96 |
Cadillac DTS Premium 4-Dr Sedan | $1,152 | $96 |
Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
Cadillac DTS Platinum 4-Dr Sedan | $1,170 | $98 |
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 | $206 | $314 | $474 | $1,152 |
2010 Cadillac DTS | $194 | $284 | $474 | $1,110 |
2008 Cadillac DTS | $184 | $250 | $460 | $1,052 |
2007 Cadillac DTS | $182 | $238 | $452 | $1,030 |
2006 Cadillac DTS | $166 | $226 | $446 | $996 |
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 the Best Cheap Cadillac DTS Insurance
Saving money on insurance for a Cadillac DTS requires having a good driving record, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Spend time shopping around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick review of the car insurance concepts touched on above.
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,330 more annually to buy Cadillac DTS insurance
- Drivers can save approximately $130 per year simply by shopping early and online
- Increasing deductibles could save as much as $350 each year
- Insureds who want increased levels of liability coverage will pay around $520 each year to increase from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,524 |
20 | $2,640 |
30 | $1,182 |
40 | $1,152 |
50 | $1,054 |
60 | $1,034 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,378 |
$250 | $1,274 |
$500 | $1,152 |
$1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,152 |
50/100 | $1,265 |
100/300 | $1,383 |
250/500 | $1,691 |
100 CSL | $1,312 |
300 CSL | $1,573 |
500 CSL | $1,763 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,404 |
20 | $4,212 |
30 | $2,516 |
40 | $2,486 |
50 | $2,376 |
60 | $2,352 |
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 | $60 |
Multi-vehicle | $62 |
Homeowner | $19 |
5-yr Accident Free | $75 |
5-yr Claim Free | $73 |
Paid in Full/EFT | $46 |
Advance Quote | $53 |
Online Quote | $80 |
Total Discounts | $468 |
Discounts are estimated and may not be available from every company or in every state.
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