Cadillac DTS Insurance Rates

The average insurance prices for a Cadillac DTS are $1,110 every 12 months including full coverage. Comprehensive costs an estimated $194, collision insurance costs $284, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,394. Teenage drivers cost the most to insure at up to $4,392 a year.

Average premium for full coverage: $1,110

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $664
• Drivers who choose higher $1,000 deductibles will pay approximately $108 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,110
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,320
• High-risk insureds who are prone to accidents and violations could pay up to $2,394
• Policy cost to insure a teenage driver with full coverage can cost as much as $4,392 a year

View Chart as Image

Auto insurance rates for a Cadillac DTS also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $320 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac DTS insurance rates. A 40-year-old driver 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

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 Shop for Cheap Cadillac DTS Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates every couple of years by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a brief summary of the material that was covered in the above illustrations.

• Consumers who want increased liability limits will pay an extra $520 per year to go from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $366 each month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations may have to pay on average $1,280 more annually to insure a Cadillac DTS
• Increasing comprehensive and collision deductibles could save as much as $325 each year