Cadillac DTS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Cadillac DTS are $1,152 a year with full coverage. Comprehensive costs an estimated $206, collision insurance costs $314, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,486. Teenage drivers receive the highest rates at up to $4,524 a year.
Average premium for full coverage: $1,152
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different DTS trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,486 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on average rates.
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 Details
The chart below details average Cadillac DTS insurance rates for other coverage scenarios.
- The best discount rate is $684
- Drivers who choose higher $1,000 deductibles will pay approximately $120 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,152
- Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,378
- High risk drivers who are prone to accidents and violations could pay up to $2,486
- The cost for full coverage for a teen driver with full coverage can cost as much as $4,524 a year
Insurance rates for a Cadillac DTS can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age
Where you live makes a big difference in Cadillac DTS insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,560 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles could save up to $350 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Affordable Cadillac DTS Insurance
Saving money on Cadillac DTS insurance not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a brief review of the ideas that were touched on in the above illustrations.
- Teenage drivers are charged the highest rates, with premiums as much as $377 per month for full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,330 more annually for auto insurance
- Increasing deductibles can save around $350 each year
- You may be able to save approximately $130 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,378 |
| $250 | $1,274 |
| $500 | $1,152 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
