Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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The average insurance rates for a Cadillac DTS are $1,110 a year for full coverage insurance. Comprehensive insurance costs around $194 a year, collision insurance costs $284, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,394 or more. 16-year-old drivers cost the most to insure at up to $4,392 a year.
Average premium for full coverage: $1,110
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and DTS trim levels.
Price Range Variability
Using a middle-aged driver as an example, Cadillac DTS insurance rates range from the low end price of $522 for just the minimum liability insurance to a high of $2,394 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.
The examples above illustrate why it is important to compare prices for a specific zip code, rather than using 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.
Additional Rate Analysis
The chart below illustrates average Cadillac DTS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $664
- Using higher $1,000 deductibles will save about $1,002 each year
- The estimated price for a good driver age 40 using $500 deductibles is $1,110
- Buying low $100 deductibles for physical damage coverage will cost an additional $210 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,394
- Policy cost that insures a teenage driver can be $4,392 or more
Auto insurance rates for a Cadillac DTS also range considerably based on the trim level of your DTS, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,300 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,300 a year. View Rates by Age
Your home state has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see rates as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,500 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,004 | -$106 | -9.5% |
| Alaska | $850 | -$260 | -23.4% |
| Arizona | $920 | -$190 | -17.1% |
| Arkansas | $1,110 | -$0 | 0.0% |
| California | $1,264 | $154 | 13.9% |
| Colorado | $1,060 | -$50 | -4.5% |
| Connecticut | $1,140 | $30 | 2.7% |
| Delaware | $1,256 | $146 | 13.2% |
| Florida | $1,390 | $280 | 25.2% |
| Georgia | $1,024 | -$86 | -7.7% |
| Hawaii | $796 | -$314 | -28.3% |
| Idaho | $750 | -$360 | -32.4% |
| Illinois | $826 | -$284 | -25.6% |
| Indiana | $834 | -$276 | -24.9% |
| Iowa | $748 | -$362 | -32.6% |
| Kansas | $1,056 | -$54 | -4.9% |
| Kentucky | $1,514 | $404 | 36.4% |
| Louisiana | $1,642 | $532 | 47.9% |
| Maine | $686 | -$424 | -38.2% |
| Maryland | $916 | -$194 | -17.5% |
| Massachusetts | $888 | -$222 | -20.0% |
| Michigan | $1,928 | $818 | 73.7% |
| Minnesota | $928 | -$182 | -16.4% |
| Mississippi | $1,330 | $220 | 19.8% |
| Missouri | $984 | -$126 | -11.4% |
| Montana | $1,192 | $82 | 7.4% |
| Nebraska | $874 | -$236 | -21.3% |
| Nevada | $1,332 | $222 | 20.0% |
| New Hampshire | $800 | -$310 | -27.9% |
| New Jersey | $1,240 | $130 | 11.7% |
| New Mexico | $984 | -$126 | -11.4% |
| New York | $1,170 | $60 | 5.4% |
| North Carolina | $640 | -$470 | -42.3% |
| North Dakota | $910 | -$200 | -18.0% |
| Ohio | $766 | -$344 | -31.0% |
| Oklahoma | $1,140 | $30 | 2.7% |
| Oregon | $1,016 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$50 | -4.5% |
| Rhode Island | $1,480 | $370 | 33.3% |
| South Carolina | $1,006 | -$104 | -9.4% |
| South Dakota | $938 | -$172 | -15.5% |
| Tennessee | $974 | -$136 | -12.3% |
| Texas | $1,340 | $230 | 20.7% |
| Utah | $822 | -$288 | -25.9% |
| Vermont | $760 | -$350 | -31.5% |
| Virginia | $664 | -$446 | -40.2% |
| Washington | $860 | -$250 | -22.5% |
| West Virginia | $1,018 | -$92 | -8.3% |
| Wisconsin | $770 | -$340 | -30.6% |
| Wyoming | $990 | -$120 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $320 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS 4-Dr Sedan | $1,090 | $91 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Premium 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Premium 4-Dr Sedan | $1,110 | $93 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,128 | $94 |
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 | $194 | $284 | $474 | $1,110 |
| 2010 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2008 Cadillac DTS | $182 | $238 | $452 | $1,030 |
| 2007 Cadillac DTS | $166 | $226 | $446 | $996 |
| 2006 Cadillac DTS | $160 | $216 | $442 | $976 |
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 Find Affordable Cadillac DTS Insurance
Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and possibly raising deductibles. Comparison shop once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a brief review of the data that was touched on in the above illustrations.
- It is possible to save up to $130 per year just by quoting early and online
- Consumers who may need more liability protection will pay around $520 annually to increase from a 30/60 limit to the 250/500 level
- Youthful drivers are expensive to insure, possibly costing $366 each month if the policy includes full coverage
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,280 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,392 |
| 20 | $2,544 |
| 30 | $1,136 |
| 40 | $1,110 |
| 50 | $1,018 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,110 |
| $1,000 | $1,002 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,110 |
| 50/100 | $1,223 |
| 100/300 | $1,341 |
| 250/500 | $1,649 |
| 100 CSL | $1,270 |
| 300 CSL | $1,531 |
| 500 CSL | $1,721 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,208 |
| 20 | $4,058 |
| 30 | $2,422 |
| 40 | $2,394 |
| 50 | $2,290 |
| 60 | $2,266 |
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 | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $70 |
| Paid in Full/EFT | $43 |
| Advance Quote | $50 |
| Online Quote | $76 |
| Total Discounts | $446 |
Discounts are estimated and may not be available from every company or in every state.
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