Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year including full coverage. Comprehensive insurance costs an estimated $194, collision costs $284, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,394 or more. Teenage drivers cost the most to insure at $4,392 a year or more.

Average premium for full coverage: $1,110

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured 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

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of 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 quotes for a targeted area, instead of using average rates.

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 other coverage scenarios.

• The best discount rate is $664
• Raising to $1,000 deductibles will save approximately $108 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,110
• Using more expensive low deductibles will cost an additional $210 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,394 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $4,392

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,300 a year. View Rates by Age

Your home state also has a big influence on Cadillac DTS insurance prices. A middle-age driver might find rates 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

Using high physical damage deductibles can reduce rates by up to $320 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 Affordable Cadillac DTS Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief review of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,280 more annually for car insurance
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Policyholders who want higher liability limits will pay an extra $520 per year to raise from a 30/60 limit to the 250/500 level