Cadillac DTS Insurance Rates

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UPDATED: Apr 19, 2024

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Average insurance prices for a Cadillac DTS are $1,152 every 12 months for full coverage. Comprehensive costs an estimated $206, collision costs $314, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,486. 16-year-old drivers receive the highest rates at $4,524 a year or more.

Average premium for full coverage: $1,152

Rate estimates broken down by individual coverage type:

Comprehensive $206
Collision $314
Liability $474

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different DTS trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $522 for a discount liability-only rate to a much higher rate of $2,486 for a high-risk insurance policy.

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

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.

The price range example below illustrates how location impacts insurance prices.

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

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on rate 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.

Rates by State, City, and Model

The chart below shows estimated Cadillac DTS insurance rates for other coverage scenarios.

  • The best full coverage rate is $684
  • Using higher $1,000 deductibles will save approximately $120 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,152
  • Buying more expensive low deductibles for physical damage coverage increases the price to $1,378
  • High-risk insureds with multiple tickets or accidents could pay up to $2,486 or more
  • The cost to insure a 16-year-old driver with full coverage can cost as much as $4,524 or more

View Chart as Image

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

Insurance rates for a Cadillac DTS can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $350 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance can be from 42% to 135% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, 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

With so much variability in rates, the only way to know which company is cheapest is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates can be significantly different.

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 Shop for the Best Cheap Cadillac DTS Insurance

Saving money on insurance for a Cadillac DTS requires having a good driving record, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Spend time shopping around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick review of the car insurance concepts touched on above.

  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,330 more annually to buy Cadillac DTS insurance
  • Drivers can save approximately $130 per year simply by shopping early and online
  • Increasing deductibles could save as much as $350 each year
  • Insureds who want increased levels of liability coverage will pay around $520 each year to increase from a minimum limit to a 250/500 level

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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