Cadillac DTS Insurance Rates

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UPDATED: Apr 19, 2024

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Average auto insurance rates for a Cadillac DTS are $1,152 annually with full coverage. Comprehensive costs approximately $206, collision insurance costs $314, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,486. Teen drivers receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,152

Rate estimates by individual coverage type:

Comprehensive $206
Collision $314
Liability $474

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different DTS trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $522 for the bare minimum liability coverage to a much higher rate of $2,486 for high-risk insurance.

Liability Only $522
Full Coverage $1,152
High Risk $2,486

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.

Rural Areas $864
Small Cities $1,210
Large Cities $1,555

These examples demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on price 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 average Cadillac DTS insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $684
  • Using higher $1,000 deductibles will save $120 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,152
  • Choosing more expensive low deductibles for physical damage coverage will cost $1,378
  • Drivers with multiple violations and an at-fault accident could pay around $2,486
  • The cost with full coverage for a teen driver with full coverage can cost $4,524 or more

View Chart as Image

Cadillac DTS insurance cost comparison chart
Column chart showing Cadillac DTS insurance rates range from $684 to $4,524 for full coverage

Car insurance rates for a Cadillac DTS can also vary considerably based on the trim level of your DTS, your driving record, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $350 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,560 on average in New York, Michigan, and Florida.

Cadillac DTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,042 -$110 -9.5%
Alaska $882 -$270 -23.4%
Arizona $954 -$198 -17.2%
Arkansas $1,152 -$0 0.0%
California $1,312 $160 13.9%
Colorado $1,100 -$52 -4.5%
Connecticut $1,184 $32 2.8%
Delaware $1,304 $152 13.2%
Florida $1,440 $288 25.0%
Georgia $1,062 -$90 -7.8%
Hawaii $828 -$324 -28.1%
Idaho $778 -$374 -32.5%
Illinois $858 -$294 -25.5%
Indiana $866 -$286 -24.8%
Iowa $776 -$376 -32.6%
Kansas $1,096 -$56 -4.9%
Kentucky $1,570 $418 36.3%
Louisiana $1,702 $550 47.7%
Maine $710 -$442 -38.4%
Maryland $948 -$204 -17.7%
Massachusetts $920 -$232 -20.1%
Michigan $2,002 $850 73.8%
Minnesota $962 -$190 -16.5%
Mississippi $1,378 $226 19.6%
Missouri $1,020 -$132 -11.5%
Montana $1,236 $84 7.3%
Nebraska $908 -$244 -21.2%
Nevada $1,380 $228 19.8%
New Hampshire $828 -$324 -28.1%
New Jersey $1,286 $134 11.6%
New Mexico $1,020 -$132 -11.5%
New York $1,212 $60 5.2%
North Carolina $662 -$490 -42.5%
North Dakota $942 -$210 -18.2%
Ohio $794 -$358 -31.1%
Oklahoma $1,182 $30 2.6%
Oregon $1,054 -$98 -8.5%
Pennsylvania $1,100 -$52 -4.5%
Rhode Island $1,534 $382 33.2%
South Carolina $1,042 -$110 -9.5%
South Dakota $972 -$180 -15.6%
Tennessee $1,008 -$144 -12.5%
Texas $1,388 $236 20.5%
Utah $852 -$300 -26.0%
Vermont $788 -$364 -31.6%
Virginia $690 -$462 -40.1%
Washington $890 -$262 -22.7%
West Virginia $1,054 -$98 -8.5%
Wisconsin $798 -$354 -30.7%
Wyoming $1,028 -$124 -10.8%

View Chart as Image

Cadillac DTS insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Cadillac DTS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac DTS 4-Dr Sedan $1,130 $94
Cadillac DTS 4-Dr Sedan $1,130 $94
Cadillac DTS 4-Dr Sedan $1,130 $94
Cadillac DTS Luxury 4-Dr Sedan $1,152 $96
Cadillac DTS Premium 4-Dr Sedan $1,152 $96
Cadillac DTS Premium 4-Dr Sedan $1,152 $96
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98

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.

Cadillac DTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Cadillac DTS $206 $314 $474 $1,152
2010 Cadillac DTS $194 $284 $474 $1,110
2008 Cadillac DTS $184 $250 $460 $1,052
2007 Cadillac DTS $182 $238 $452 $1,030
2006 Cadillac DTS $166 $226 $446 $996

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 Buy the Cheapest Cadillac DTS Insurance

Saving money on Cadillac DTS insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a recap of the material that was presented in the illustrations above.

  • Drivers who purchase more liability protection will pay about $520 every year to increase from a minimum limit to higher 250/500 limits
  • Youthful drivers pay the highest auto insurance rates, with premiums as much as $377 per month if comprehensive and collision insurance is included
  • High-risk drivers that have major violations or accidents may pay on average $1,330 more per year than a low-risk driver
  • Increasing deductibles could save up to $350 each year

Rates by Driver Age

Cadillac DTS Insurance Rates by Driver Age
Driver Age Premium
16 $4,524
20 $2,640
30 $1,182
40 $1,152
50 $1,054
60 $1,034

Full coverage, $500 deductibles

Rates by Deductible

Cadillac DTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,378
$250 $1,274
$500 $1,152
$1,000 $1,032

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,152
50/100 $1,265
100/300 $1,383
250/500 $1,691
100 CSL $1,312
300 CSL $1,573
500 CSL $1,763

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac DTS Insurance Rates for High Risk Drivers
Age Premium
16 $6,404
20 $4,212
30 $2,516
40 $2,486
50 $2,376
60 $2,352

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.

SR-22 Surcharge $157

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $80
Total Discounts $468
Rate after discounts $684

Discounts are estimated and may not be available from every company or in every state.

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