Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year including full coverage. Comprehensive costs approximately $194 a year, collision costs $284, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers 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:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $664
• Choosing higher $1,000 deductibles can save $1,002 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,110
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,320
• Drivers who are prone to accidents and violations could pay around $2,394 or more
• Policy cost that insures a teenage driver can cost $4,392 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac DTS insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $320 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates 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 Find Cheaper Cadillac DTS Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every other policy renewal by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The list below is a condensed summary of the ideas that were touched on in the above illustrations.

• Teenagers are expensive to insure, with premiums being up to $366 each month if full coverage is included
• Drivers with multiple at-fault accidents will likely pay on average $1,280 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• You may be able to save around $130 per year simply by quoting early and online