Cadillac DTS Insurance Rates

The average auto insurance rates for a Cadillac DTS are $1,152 annually including full coverage. Comprehensive insurance costs approximately $206 each year, collision costs $314, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,486 or more. Teens cost the most to insure at $4,524 a year or more.

Average premium for full coverage: $1,152

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and DTS models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below breaks down estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $684
• Raising to $1,000 deductibles will save $120 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,152
• Selecting low deductibles costs an additional $226 a year
• Higher-risk drivers with serious driving violations could pay around $2,486 or more
• Policy cost with full coverage for a teen driver can cost $4,524

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Cadillac DTS insurance rates. A middle-age driver might find rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied between companies.

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 the Best Cheap Cadillac DTS Insurance

Finding cheaper rates on Cadillac DTS insurance consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick review of the material that was covered in the above illustrations.

• Drivers who purchase higher levels of liability will pay approximately $520 per year to raise from a 30/60 limit to higher 250/500 limits
• Teenage drivers are expensive to insure, with premiums being up to $377 each month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,330 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year