Cadillac DTS Insurance Rates

U.S. average insurance rates for a Cadillac DTS are $1,110 a year for full coverage insurance. Comprehensive costs approximately $194 each year, collision costs $284, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,394. 16-year-old drivers pay the highest rates at $4,392 a year or more.

Average premium for full coverage: $1,110

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and DTS models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Cadillac DTS insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $664
• Choosing higher $1,000 deductibles can save $108 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,110
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,320
• Unlucky drivers with multiple tickets or accidents could pay around $2,394 or more
• The price that insures a teen driver can cost $4,392 each year

View Chart as Image

Insurance prices for a Cadillac DTS are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac DTS insurance prices. A good driver about age 40 could pay as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,500 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $320 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite 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 More Affordable Cadillac DTS Insurance

Getting lower rates on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop at every policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a summary of the data raised in the charts and tables above.

• Policyholders who purchase additional liability coverage will pay around $520 annually to raise limits from a low limit to the 250/500 level
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $366 a month if full coverage is included