Cadillac DTS Insurance Rates

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2010 Cadillac DTS Car Insurance Quotes in 2025 – 6 Savings Tips

Want better insurance rates for your Cadillac DTS? Scraping up a payment for expensive Cadillac DTS insurance can dwindle your savings and force you to make sacrifices. Getting a rate comparison can help to reduce premiums and put more money in your pocket. Having so many insurance providers from which to choose, it's nearly impossible to find a more affordable insurance company. It's important t...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 19, 2024

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Estimated insurance rates for a Cadillac DTS are $1,152 a year for full coverage insurance. Comprehensive insurance costs an estimated $206, collision insurance costs $314, and liability coverage is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,486 or more. Teens pay the most at up to $4,524 a year.

Average premium for full coverage: $1,152

Premium estimates broken down by type of coverage:

Comprehensive $206
Collision $314
Liability $474

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different DTS trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Cadillac DTS range from as low as $522 for basic liability insurance to a much higher rate of $2,486 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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.

Rate Comparisons

The chart below illustrates average Cadillac DTS insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $684
  • Raising to $1,000 deductibles will save approximately $120 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,152
  • Selecting more expensive low deductibles will cost an extra $226 each year
  • Unlucky drivers with serious driving violations could pay up to $2,486
  • An auto insurance policy for full coverage for a teenage driver with full coverage can cost as much as $4,524

View Chart as Image

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

Insurance prices for a Cadillac DTS also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac DTS insurance rates. A middle-age driver might find prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,560 on average in Florida, New York, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $350 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $1,900 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

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 Find Cheap Cadillac DTS Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the coverage data touched on above.

  • It is possible to save approximately $130 per year just by shopping early and online
  • Increasing policy deductibles can save around $350 each year
  • Drivers under the age of 20 are expensive to insure, with premiums being up to $377 per month including comprehensive and collision insurance
  • Drivers that tend to have accidents or serious violations pay on average $1,330 more annually to insure a Cadillac DTS

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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