Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year including full coverage. Comprehensive costs approximately $194 each year, collision costs $284, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,394. 16-year-old 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:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, 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

Where you live has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location, rather than relying on rate averages.

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 best full coverage rate is $664
• Using higher $1,000 deductibles will save $108 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,110
• Buying low deductibles for physical damage coverage bumps up the cost to $1,320
• Drivers with multiple tickets or accidents could pay around $2,394 or more
• Policy cost that insures a teen driver can cost $4,392 or more

View Chart as Image

Insurance rates for a Cadillac DTS also range considerably based on the trim level and model year, 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. Insurance for high-risk drivers can be anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest 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 has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $320 each year, whereas increasing 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 do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, 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 Cheap Cadillac DTS Insurance

Finding cheaper rates on Cadillac DTS insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a brief summary of the coverage data touched on in this article.

• You may be able to save around $130 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teen drivers are expensive to insure, with premiums being up to $366 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,280 more per year to insure their DTS