Cadillac DTS Insurance Rates

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

Average premium for full coverage: $1,110

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different DTS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $664
• Using higher $1,000 deductibles will save around $108 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,110
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,320
• Higher-risk drivers with serious driving violations could pay upwards of $2,394 or more
• An auto insurance policy that insures a teenage driver with full coverage may cost $4,392 or more

View Chart as Image

Insurance prices for a Cadillac DTS also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,300 a year. View Rates by Age

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 $800 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,500 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $320 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, so the 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 Cheaper Cadillac DTS Insurance

Finding better rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and bundling your home and auto policies. Compare rates every couple of years by quoting rates from direct companies, and also from several local insurance agents.

The following items are a condensed summary of the material that was touched on above.

• Consumers who require additional liability coverage will pay approximately $520 every year to increase from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers pay the highest prices, possibly costing $366 per month if full coverage is included
• Drivers with multiple at-fault accidents 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