Cadillac DTS Insurance Rates

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

Average premium for full coverage: $1,110

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and DTS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below illustrates average Cadillac DTS insurance rates for other coverage scenarios.

• The best discount rate is $664
• Using higher $1,000 deductibles will save approximately $1,002 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,110
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,320
• Drivers who are prone to accidents and violations could pay up to $2,394
• Policy cost for full coverage for a teen driver can cost as much as $4,392 or more

View Chart as Image

Insurance rates for a Cadillac DTS also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,300 a year. View Rates by Age

Your home state has a huge impact on Cadillac DTS insurance rates. A driver around age 40 might see rates as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,500 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $320 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each 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 probably paying $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 cheaper rates on Cadillac DTS insurance requires being a low-risk driver, having a good credit history, being claim-free, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the concepts that were raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents pay on average $1,280 more annually to insure their DTS
• Teen drivers are expensive to insure, possibly costing $366 each month including comprehensive and collision insurance
• It is possible to save approximately $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• It is possible to save approximately $130 per year just by quoting early and online