Cadillac DTS Insurance Rates

Estimated auto insurance rates for a Cadillac DTS are $1,110 annually for full coverage. Comprehensive costs on average $194 a year, collision costs $284, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,394. Teenage drivers pay the most at $4,392 a year or more.

Average premium for full coverage: $1,110

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and DTS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

These rate differences show why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below shows estimated Cadillac DTS insurance rates for different risk profiles and scenarios.

• The best discount rate is $664
• Using higher $1,000 deductibles will save around $1,002 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,110
• Using low $100 deductibles for physical damage coverage will cost $1,320
• Drivers who are prone to accidents and violations could pay upwards of $2,394 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,392 or more

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Auto insurance prices for a Cadillac DTS also have a wide range based on the model of your DTS, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,300 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $320 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,580 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Buy Cheap Cadillac DTS Insurance

Finding better rates on Cadillac DTS insurance requires having a good driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at least once a year by quoting rates from direct carriers, and also from local insurance agents.

The next list is a brief summary of the primary concepts that were touched on in the above illustrations.

• Drivers can save as much as $130 per year simply by quoting early and online
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,280 more each year to buy Cadillac DTS insurance
• Increasing policy deductibles could save up to $325 each year
• Drivers age 20 and younger are charged the highest prices, as much as $366 per month if full coverage is included