Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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The average insurance rates for a Cadillac DTS are $1,198 a year including full coverage. Comprehensive costs around $220 a year, collision costs $342, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, with high-risk driver insurance costing around $2,592. 16-year-old drivers cost the most to insure at $4,680 a year or more.
Average premium for full coverage: $1,198
Policy rates for type of insurance:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and DTS trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Cadillac DTS insurance rates go from as low as $526 for a discount liability-only rate to a high of $2,592 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why it is important to get quotes for a specific zip code and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Cadillac DTS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $708
- Choosing higher $1,000 deductibles can save about $1,072 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,198
- Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,446
- Unlucky drivers with multiple tickets or accidents could pay at least $2,592 or more
- Policy cost for full coverage for a teen driver can be $4,680 each year
Auto insurance rates for a Cadillac DTS also range considerably based on your risk profile, the model of your DTS, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,600 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 $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,710 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$112 | -9.3% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,366 | $168 | 14.0% |
| Colorado | $1,146 | -$52 | -4.3% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $812 | -$386 | -32.2% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $810 | -$388 | -32.4% |
| Kansas | $1,142 | -$56 | -4.7% |
| Kentucky | $1,638 | $440 | 36.7% |
| Louisiana | $1,774 | $576 | 48.1% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $960 | -$238 | -19.9% |
| Michigan | $2,086 | $888 | 74.1% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,290 | $92 | 7.7% |
| Nebraska | $946 | -$252 | -21.0% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $866 | -$332 | -27.7% |
| New Jersey | $1,342 | $144 | 12.0% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $692 | -$506 | -42.2% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,146 | -$52 | -4.3% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,052 | -$146 | -12.2% |
| Texas | $1,448 | $250 | 20.9% |
| Utah | $890 | -$308 | -25.7% |
| Vermont | $820 | -$378 | -31.6% |
| Virginia | $718 | -$480 | -40.1% |
| Washington | $926 | -$272 | -22.7% |
| West Virginia | $1,098 | -$100 | -8.3% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |
Opting for high physical damage deductibles can save as much as $380 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Cadillac DTS | $220 | $342 | $478 | $1,198 |
| 2010 Cadillac DTS | $206 | $314 | $474 | $1,152 |
| 2008 Cadillac DTS | $188 | $256 | $468 | $1,070 |
| 2007 Cadillac DTS | $184 | $250 | $460 | $1,052 |
| 2006 Cadillac DTS | $182 | $238 | $452 | $1,030 |
Rates are averaged for all Cadillac DTS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Cadillac DTS Insurance
Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a recap of the ideas that were raised in the charts and tables above.
- Teen drivers are expensive to insure, with premiums being up to $390 each month if they have full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,390 more every year to insure their DTS
- Increasing comprehensive and collision deductibles can save around $375 each year
- You may be able to save up to $140 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,680 |
| 20 | $2,754 |
| 30 | $1,232 |
| 40 | $1,198 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,198 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,390 |
| 30 | $2,628 |
| 40 | $2,592 |
| 50 | $2,478 |
| 60 | $2,454 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $48 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $490 |
Discounts are estimated and may not be available from every company or in every state.
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