Cadillac DTS Insurance Rates

The average auto insurance rates for a Cadillac DTS are $1,110 annually including full coverage. Comprehensive costs approximately $194 a year, collision insurance costs $284, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,394. Teens cost the most to insure at up to $4,392 a year.

Average premium for full coverage: $1,110

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Cadillac DTS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $664
• Using higher $1,000 deductibles will save $1,002 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,110
• Selecting low $100 deductibles for physical damage coverage will cost $1,320
• Drivers with serious driving violations could pay around $2,394
• Policy cost with full coverage for a teen driver can cost $4,392 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Cadillac DTS insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Cheapest Cadillac DTS Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a recap of the coverage data presented in the illustrations above.

• You may be able to save around $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teen drivers are the costliest to insure, with premiums being up to $366 each month if they have full coverage
• Higher risk drivers that have major violations or accidents may have to pay on average $1,280 more per year to insure their DTS