Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year for full coverage insurance. Comprehensive costs approximately $194, collision costs $284, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,394. Teenage drivers cost the most to insure at $4,392 a year or more.

Average premium for full coverage: $1,110

Policy rates by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $664
• Using higher $1,000 deductibles will save $108 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,110
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,320
• Higher-risk drivers who are prone to accidents and violations could pay around $2,394 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $4,392 or more

View Chart as Image

Auto insurance rates for a Cadillac DTS also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,500 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $320 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Find the Cheapest Cadillac DTS Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having good credit, being claim-free, and not having any coverage lapses. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a recap of the material that was covered in the above illustrations.

• Consumers who purchase increased liability limits will pay an extra $520 annually to increase from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 have the highest car insurance rates, possibly costing $366 each month if they have full coverage
• Drivers that have major violations or accidents may pay on average $1,280 more per year to insure a Cadillac DTS
• Increasing comprehensive and collision deductibles can save around $325 each year