Cadillac DTS Insurance Rates

Estimated insurance rates for a Cadillac DTS are $1,110 a year including full coverage. Comprehensive costs around $194 each year, collision insurance costs $284, and liability coverage is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,394. Teens pay the most at up to $4,392 a year.

Average premium for full coverage: $1,110

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and DTS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

These rate differences highlight why all drivers should compare rates quotes for a specific zip code, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Cadillac DTS insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $664
• Raising to $1,000 deductibles will save about $108 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,110
• Selecting low deductibles bumps up the cost to $1,320
• Unlucky drivers with serious driving violations could pay at least $2,394
• An auto insurance policy that insures a teenage driver can be $4,392

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at least $1,300 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,300 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac DTS insurance rates. A middle-age driver might find prices as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,580 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $320 a year, whereas increasing liability limits will increase prices. Changing 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

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 better rates on auto insurance consists of being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the information covered in the charts and tables above.

• You may be able to save up to $130 per year just by quoting online in advance
• Youthful drivers are expensive to insure, with the cost nearing $366 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $325 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,280 more every year than a low-risk driver
• Consumers who may need more liability protection will pay approximately $520 per year to raise from 30/60 bodily injury limits to the 250/500 level