Cadillac DTS Insurance Rates

The average insurance rates for a Cadillac DTS are $1,110 a year with full coverage. Comprehensive insurance costs approximately $194 a year, collision costs $284, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers 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 by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $664
• Choosing higher $1,000 deductibles can save $1,002 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,110
• Using low $100 deductibles for comp and collision coverage will cost an additional $210 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,394 or more
• Policy cost that insures a 16-year-old driver can cost $4,392 each year

View Chart as Image

Insurance rates for a Cadillac DTS also range considerably based on the trim level of your DTS, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac DTS insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,500 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $320 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates 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 Cheap Cadillac DTS Insurance

Finding cheaper rates on insurance for a Cadillac DTS takes being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct companies, and also from local insurance agencies.

The items below are a brief summary of the information covered in the above illustrations.

• You may be able to save around $130 per year simply by quoting early and online
• Teen drivers are expensive to insure, as much as $366 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,280 more per year to insure their DTS
• Insureds who purchase more liability coverage will pay an extra $520 every year to raise limits from a 30/60 limit to the 250/500 level