Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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U.S. average insurance rates for a Cadillac DTS are $1,198 a year with full coverage. Comprehensive costs approximately $220 a year, collision costs $342, and liability coverage costs around $478. Liability-only coverage costs as low as $526 a year, with high-risk coverage costing around $2,592. 16-year-old drivers pay the highest rates at $4,680 a year or more.
Average premium for full coverage: $1,198
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and DTS trim levels.
Price Range from Low to High
For the normal driver, Cadillac DTS insurance prices go from as low as $526 for the bare minimum liability coverage to a high of $2,592 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance prices.
The ranges above demonstrate why it is important to compare prices using their specific location and risk profile, 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 Information
The chart below details estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $708
- Using higher $1,000 deductibles will save $1,072 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,198
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,446
- Higher-risk drivers with multiple tickets or accidents could pay around $2,592 or more
- The price for full coverage for a teenage driver can cost $4,680 or more
Auto insurance prices for a Cadillac DTS are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
The state you live in has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$112 | -9.3% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,366 | $168 | 14.0% |
| Colorado | $1,146 | -$52 | -4.3% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $812 | -$386 | -32.2% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $810 | -$388 | -32.4% |
| Kansas | $1,142 | -$56 | -4.7% |
| Kentucky | $1,638 | $440 | 36.7% |
| Louisiana | $1,774 | $576 | 48.1% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $960 | -$238 | -19.9% |
| Michigan | $2,086 | $888 | 74.1% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,290 | $92 | 7.7% |
| Nebraska | $946 | -$252 | -21.0% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $866 | -$332 | -27.7% |
| New Jersey | $1,342 | $144 | 12.0% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $692 | -$506 | -42.2% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,146 | -$52 | -4.3% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,052 | -$146 | -12.2% |
| Texas | $1,448 | $250 | 20.9% |
| Utah | $890 | -$308 | -25.7% |
| Vermont | $820 | -$378 | -31.6% |
| Virginia | $718 | -$480 | -40.1% |
| Washington | $926 | -$272 | -22.7% |
| West Virginia | $1,098 | -$100 | -8.3% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |
Opting for high physical damage deductibles could cut prices by as much as $380 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium each 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
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
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 | $220 | $342 | $478 | $1,198 |
| 2010 Cadillac DTS | $206 | $314 | $474 | $1,152 |
| 2008 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2007 Cadillac DTS | $184 | $250 | $460 | $1,052 |
| 2006 Cadillac DTS | $182 | $238 | $452 | $1,030 |
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 the Best Cadillac DTS Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a brief recap of the ideas that were presented in the illustrations above.
- Teenagers have the highest car insurance prices, costing up to $390 a month if they have full coverage
- Drivers who tend to receive serious violations pay on average $1,390 more per year for car insurance
- Increasing physical damage deductibles can save around $375 each year
- You may be able to save around $140 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,680 |
| 20 | $2,754 |
| 30 | $1,232 |
| 40 | $1,198 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,198 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,390 |
| 30 | $2,628 |
| 40 | $2,592 |
| 50 | $2,478 |
| 60 | $2,454 |
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 | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $48 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $490 |
Discounts are estimated and may not be available from every company or in every state.
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