Cadillac DTS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2022

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Average insurance prices for a Cadillac DTS are $1,110 every 12 months with full coverage. Comprehensive costs approximately $194, collision insurance costs $284, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs around $2,394. Teens receive the highest rates at up to $4,392 a year.

Average premium for full coverage: $1,110

Rate estimates by individual coverage type:

Comprehensive $194
Collision $284
Liability $474

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different DTS trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the cheapest price of $522 for your basic liability-only policy to a much higher rate of $2,394 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,110
High Risk $2,394

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $833
Small Cities $1,166
Large Cities $1,499

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using averaged prices.

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.

More Rate Information

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

  • The cheapest rate after discounts is $664
  • Drivers who choose higher $1,000 deductibles will pay $108 annually
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,110
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,320
  • Higher-risk drivers with serious driving violations could pay around $2,394
  • The cost to insure a teen driver with full coverage can cost $4,392 a year

View Chart as Image

Cadillac DTS insurance cost comparison chart
Column chart showing Cadillac DTS insurance rates range from $664 to $4,392 for full coverage

Insurance rates for a Cadillac DTS can also vary considerably based on policy deductibles and limits, your driving record, and the model of your DTS.

Choosing higher comprehensive and collision insurance deductibles could save up to $320 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,900 additional per year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Cadillac DTS insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,500 on average in New York, Michigan, and Florida.

Cadillac DTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,004 -$106 -9.5%
Alaska $850 -$260 -23.4%
Arizona $920 -$190 -17.1%
Arkansas $1,110 -$0 0.0%
California $1,264 $154 13.9%
Colorado $1,060 -$50 -4.5%
Connecticut $1,140 $30 2.7%
Delaware $1,256 $146 13.2%
Florida $1,390 $280 25.2%
Georgia $1,024 -$86 -7.7%
Hawaii $796 -$314 -28.3%
Idaho $750 -$360 -32.4%
Illinois $826 -$284 -25.6%
Indiana $834 -$276 -24.9%
Iowa $748 -$362 -32.6%
Kansas $1,056 -$54 -4.9%
Kentucky $1,514 $404 36.4%
Louisiana $1,642 $532 47.9%
Maine $686 -$424 -38.2%
Maryland $916 -$194 -17.5%
Massachusetts $888 -$222 -20.0%
Michigan $1,928 $818 73.7%
Minnesota $928 -$182 -16.4%
Mississippi $1,330 $220 19.8%
Missouri $984 -$126 -11.4%
Montana $1,192 $82 7.4%
Nebraska $874 -$236 -21.3%
Nevada $1,332 $222 20.0%
New Hampshire $800 -$310 -27.9%
New Jersey $1,240 $130 11.7%
New Mexico $984 -$126 -11.4%
New York $1,170 $60 5.4%
North Carolina $640 -$470 -42.3%
North Dakota $910 -$200 -18.0%
Ohio $766 -$344 -31.0%
Oklahoma $1,140 $30 2.7%
Oregon $1,016 -$94 -8.5%
Pennsylvania $1,060 -$50 -4.5%
Rhode Island $1,480 $370 33.3%
South Carolina $1,006 -$104 -9.4%
South Dakota $938 -$172 -15.5%
Tennessee $974 -$136 -12.3%
Texas $1,340 $230 20.7%
Utah $822 -$288 -25.9%
Vermont $760 -$350 -31.5%
Virginia $664 -$446 -40.2%
Washington $860 -$250 -22.5%
West Virginia $1,018 -$92 -8.3%
Wisconsin $770 -$340 -30.6%
Wyoming $990 -$120 -10.8%

View Chart as Image

Cadillac DTS insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Cadillac DTS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac DTS 4-Dr Sedan $1,090 $91
Cadillac DTS 4-Dr Sedan $1,090 $91
Cadillac DTS 4-Dr Sedan $1,090 $91
Cadillac DTS Luxury 4-Dr Sedan $1,110 $93
Cadillac DTS Premium 4-Dr Sedan $1,110 $93
Cadillac DTS Premium 4-Dr Sedan $1,110 $93
Cadillac DTS Platinum 4-Dr Sedan $1,128 $94
Cadillac DTS Platinum 4-Dr Sedan $1,128 $94
Cadillac DTS Platinum 4-Dr Sedan $1,128 $94
Cadillac DTS Platinum 4-Dr Sedan $1,128 $94

Rates assume 2008 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.

Cadillac DTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2008 Cadillac DTS $194 $284 $474 $1,110
2007 Cadillac DTS $188 $256 $468 $1,070
2006 Cadillac DTS $184 $250 $460 $1,052

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 Shop for More Affordable Cadillac DTS Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a summary of the coverage data touched on in the above illustrations.

  • You may be able to save around $130 per year just by shopping early and online
  • Increasing deductibles could save as much as $325 each year
  • Drivers under the age of 20 are the costliest to insure, with premiums as much as $366 per month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,280 more per year to insure a Cadillac DTS

Rates by Driver Age

Cadillac DTS Insurance Rates by Driver Age
Driver Age Premium
16 $4,392
20 $2,544
30 $1,136
40 $1,110
50 $1,018
60 $998

Full coverage, $500 deductibles

Rates by Deductible

Cadillac DTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,320
$250 $1,224
$500 $1,110
$1,000 $1,002

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,110
50/100 $1,223
100/300 $1,341
250/500 $1,649
100 CSL $1,270
300 CSL $1,531
500 CSL $1,721

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac DTS Insurance Rates for High Risk Drivers
Age Premium
16 $6,208
20 $4,058
30 $2,422
40 $2,394
50 $2,290
60 $2,266

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.

SR-22 Surcharge $151

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $76
Total Discounts $446
Rate after discounts $664

Discounts are estimated and may not be available from every company or in every state.

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