Cadillac DTS Insurance Rates

The average insurance prices for a Cadillac DTS are $1,110 every 12 months including full coverage. Comprehensive insurance costs around $194 each year, collision costs $284, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,394 or more. Teen drivers cost the most to insure at $4,392 a year or more.

Average premium for full coverage: $1,110

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and DTS models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and their own driving history, instead of using price averages.

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

Rate Comparisons

The chart below breaks down estimated Cadillac DTS insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $664
• Drivers who choose higher $1,000 deductibles will pay about $108 every year
• The average price for a good driver age 40 using $500 deductibles is $1,110
• Choosing low deductibles for comprehensive and collision insurance costs an extra $210 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,394 or more
• Policy cost to insure a teen driver can be $4,392 a year

View Chart as Image

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

Choosing high deductibles could save up to $320 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $4,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Cadillac DTS insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,580 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so rate quotes will be varied.

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 Shop for the Best Cadillac DTS Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the information raised in the charts and tables above.

• You may be able to save up to $130 per year simply by quoting online in advance
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $366 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,280 more every year than a safer driver
• Policyholders who may need an increased level of liability coverage will pay about $520 per year to go from a 30/60 limit to a 250/500 level