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: Jun 4, 2023

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Average insurance rates for a Cadillac DTS are $1,070 a year including full coverage. Comprehensive costs an estimated $188 a year, collision costs $256, and liability insurance costs $468. A liability-only policy costs as little as $518 a year, with high-risk insurance costing around $2,302. Teen drivers receive the highest rates at $4,250 a year or more.

Average premium for full coverage: $1,070

Rate estimates broken down by individual coverage type:

Comprehensive $188
Collision $256
Liability $468

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and DTS trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $518 for basic liability insurance to a high of $2,302 for a high-risk insurance policy.

Liability Only $518
Full Coverage $1,070
High Risk $2,302

Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $803
Small Cities $1,124
Large Cities $1,445

These examples highlight why it is important to compare rates for a targeted area and risk profile, rather than relying on price 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.

Rate Comparisons

The chart below breaks down estimated Cadillac DTS insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $645
  • Drivers who choose higher $1,000 deductibles will pay approximately $968 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,070
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,260
  • High risk drivers with multiple violations and an at-fault accident could pay up to $2,302 or more
  • The cost for full coverage for a teen driver can cost as much as $4,250 a year

View Chart as Image

Cadillac DTS insurance cost comparison chart
Column chart showing full coverage Cadillac DTS insurance rates range from $645 to $4,250

Insurance rates for a Cadillac DTS can also vary considerably based on your driver profile, the model of your DTS, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,200 a year. View Rates by Age

Where you live makes a big difference in Cadillac DTS insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,530 on average in Louisiana, New York, and Michigan.

Cadillac DTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $970 -$100 -9.3%
Alaska $822 -$248 -23.2%
Arizona $888 -$182 -17.0%
Arkansas $1,070 -$0 0.0%
California $1,220 $150 14.0%
Colorado $1,024 -$46 -4.3%
Connecticut $1,100 $30 2.8%
Delaware $1,212 $142 13.3%
Florida $1,340 $270 25.2%
Georgia $988 -$82 -7.7%
Hawaii $768 -$302 -28.2%
Idaho $724 -$346 -32.3%
Illinois $798 -$272 -25.4%
Indiana $806 -$264 -24.7%
Iowa $720 -$350 -32.7%
Kansas $1,018 -$52 -4.9%
Kentucky $1,460 $390 36.4%
Louisiana $1,584 $514 48.0%
Maine $662 -$408 -38.1%
Maryland $882 -$188 -17.6%
Massachusetts $856 -$214 -20.0%
Michigan $1,860 $790 73.8%
Minnesota $894 -$176 -16.4%
Mississippi $1,282 $212 19.8%
Missouri $950 -$120 -11.2%
Montana $1,150 $80 7.5%
Nebraska $846 -$224 -20.9%
Nevada $1,282 $212 19.8%
New Hampshire $772 -$298 -27.9%
New Jersey $1,198 $128 12.0%
New Mexico $948 -$122 -11.4%
New York $1,130 $60 5.6%
North Carolina $618 -$452 -42.2%
North Dakota $878 -$192 -17.9%
Ohio $740 -$330 -30.8%
Oklahoma $1,098 $28 2.6%
Oregon $980 -$90 -8.4%
Pennsylvania $1,020 -$50 -4.7%
Rhode Island $1,430 $360 33.6%
South Carolina $970 -$100 -9.3%
South Dakota $904 -$166 -15.5%
Tennessee $938 -$132 -12.3%
Texas $1,290 $220 20.6%
Utah $792 -$278 -26.0%
Vermont $732 -$338 -31.6%
Virginia $642 -$428 -40.0%
Washington $828 -$242 -22.6%
West Virginia $980 -$90 -8.4%
Wisconsin $740 -$330 -30.8%
Wyoming $954 -$116 -10.8%

View Chart as Image

Cadillac DTS insurance rates by U.S. city

Choosing high deductibles could save up to $300 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $421 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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 $1,052 $88
Cadillac DTS 4-Dr Sedan $1,052 $88
Cadillac DTS 4-Dr Sedan $1,052 $88
Cadillac DTS Luxury 4-Dr Sedan $1,070 $89
Cadillac DTS Premium 4-Dr Sedan $1,070 $89
Cadillac DTS Premium 4-Dr Sedan $1,070 $89
Cadillac DTS Platinum 4-Dr Sedan $1,086 $91
Cadillac DTS Platinum 4-Dr Sedan $1,086 $91
Cadillac DTS Platinum 4-Dr Sedan $1,086 $91
Cadillac DTS Platinum 4-Dr Sedan $1,086 $91

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 $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 Affordable Cadillac DTS Insurance

Saving money on Cadillac DTS insurance not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The items below are a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,230 more annually to insure their DTS
  • You may be able to save approximately $120 per year simply by quoting early and online
  • Increasing deductibles can save around $300 each year
  • Drivers who want more liability coverage will pay about $520 per year to go from a minimum limit to 250/500 limits

Rates by Driver Age

Cadillac DTS Insurance Rates by Driver Age
Driver Age Premium
16 $4,250
20 $2,446
30 $1,094
40 $1,070
50 $980
60 $960

Full coverage, $500 deductibles

Rates by Deductible

Cadillac DTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,260
$250 $1,174
$500 $1,070
$1,000 $968

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,070
50/100 $1,180
100/300 $1,297
250/500 $1,601
100 CSL $1,226
300 CSL $1,484
500 CSL $1,671

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac DTS Insurance Rates for High Risk Drivers
Age Premium
16 $5,998
20 $3,898
30 $2,326
40 $2,302
50 $2,200
60 $2,178

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $67
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $48
Online Quote $73
Total Discounts $425
Rate after discounts $645

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

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