Cadillac DTS Insurance Rates

Estimated insurance rates for a Cadillac DTS are $1,110 a year for full coverage. Comprehensive costs on average $194 a year, collision costs $284, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,394. 16-year-old drivers pay the most at $4,392 a year or more.

Average premium for full coverage: $1,110

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury 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

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences show why it is important to compare rates based on a specific location, instead of using rate averages.

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 full coverage rate is $664
• Drivers who choose higher $1,000 deductibles will pay around $1,002 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,110
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,320
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,394 or more
• An auto insurance policy that insures a teen driver may cost $4,392 a year

View Chart as Image

Auto insurance prices for a Cadillac DTS also have a wide range based on the trim level of your DTS, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, 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 cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,300 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac DTS insurance prices. A 40-year-old driver could pay as low as $730 a year in states like Idaho, Maine, and Iowa, or at least $1,580 on average in Michigan, Louisiana, and New York.

View Chart as Image

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

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company utilizes a different rate formula, and quoted prices will be substantially different.

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 Low Cost Cadillac DTS Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a review of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are charged the highest prices, as much as $366 per month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $1,280 more each year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $325 each year
• Drivers can save as much as $130 per year simply by quoting early and online