Cadillac DTS Insurance Rates

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UPDATED: Apr 19, 2024

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Average insurance rates for a Cadillac DTS are $1,152 a year for full coverage insurance. Comprehensive insurance costs approximately $206 a year, collision insurance costs $314, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,486 or more. Teens receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,152

Rate estimates by individual coverage type:

Comprehensive $206
Collision $314
Liability $474

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

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $522 for the bare minimum liability coverage to a high of $2,486 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,152
High Risk $2,486

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $864
Small Cities $1,210
Large Cities $1,555

These examples illustrate why it is important to compare rates using their specific location, rather than relying on 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.

Additional Rate Information

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

  • The cheapest rate after discounts is $684
  • Drivers who choose higher $1,000 deductibles will pay $1,032 each year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,152
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $226 a year
  • High risk drivers with serious driving violations could pay around $2,486
  • The cost that insures a teen driver can cost $4,524 a year

View Chart as Image

Cadillac DTS insurance cost comparison chart
Column chart showing Cadillac DTS insurance prices range from $684 to $4,524 for full coverage

Insurance rates for a Cadillac DTS can also vary considerably based on the trim level of your DTS, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 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 $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,560 on average in Florida, New York, and Michigan.

Cadillac DTS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,042 -$110 -9.5%
Alaska $882 -$270 -23.4%
Arizona $954 -$198 -17.2%
Arkansas $1,152 -$0 0.0%
California $1,312 $160 13.9%
Colorado $1,100 -$52 -4.5%
Connecticut $1,184 $32 2.8%
Delaware $1,304 $152 13.2%
Florida $1,440 $288 25.0%
Georgia $1,062 -$90 -7.8%
Hawaii $828 -$324 -28.1%
Idaho $778 -$374 -32.5%
Illinois $858 -$294 -25.5%
Indiana $866 -$286 -24.8%
Iowa $776 -$376 -32.6%
Kansas $1,096 -$56 -4.9%
Kentucky $1,570 $418 36.3%
Louisiana $1,702 $550 47.7%
Maine $710 -$442 -38.4%
Maryland $948 -$204 -17.7%
Massachusetts $920 -$232 -20.1%
Michigan $2,002 $850 73.8%
Minnesota $962 -$190 -16.5%
Mississippi $1,378 $226 19.6%
Missouri $1,020 -$132 -11.5%
Montana $1,236 $84 7.3%
Nebraska $908 -$244 -21.2%
Nevada $1,380 $228 19.8%
New Hampshire $828 -$324 -28.1%
New Jersey $1,286 $134 11.6%
New Mexico $1,020 -$132 -11.5%
New York $1,212 $60 5.2%
North Carolina $662 -$490 -42.5%
North Dakota $942 -$210 -18.2%
Ohio $794 -$358 -31.1%
Oklahoma $1,182 $30 2.6%
Oregon $1,054 -$98 -8.5%
Pennsylvania $1,100 -$52 -4.5%
Rhode Island $1,534 $382 33.2%
South Carolina $1,042 -$110 -9.5%
South Dakota $972 -$180 -15.6%
Tennessee $1,008 -$144 -12.5%
Texas $1,388 $236 20.5%
Utah $852 -$300 -26.0%
Vermont $788 -$364 -31.6%
Virginia $690 -$462 -40.1%
Washington $890 -$262 -22.7%
West Virginia $1,054 -$98 -8.5%
Wisconsin $798 -$354 -30.7%
Wyoming $1,028 -$124 -10.8%

View Chart as Image

Cadillac DTS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $350 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

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 $1,130 $94
Cadillac DTS 4-Dr Sedan $1,130 $94
Cadillac DTS 4-Dr Sedan $1,130 $94
Cadillac DTS Luxury 4-Dr Sedan $1,152 $96
Cadillac DTS Premium 4-Dr Sedan $1,152 $96
Cadillac DTS Premium 4-Dr Sedan $1,152 $96
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98
Cadillac DTS Platinum 4-Dr Sedan $1,170 $98

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.

Cadillac DTS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Cadillac DTS $206 $314 $474 $1,152
2010 Cadillac DTS $194 $284 $474 $1,110
2008 Cadillac DTS $184 $250 $460 $1,052
2007 Cadillac DTS $182 $238 $452 $1,030
2006 Cadillac DTS $166 $226 $446 $996

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 Low Cost Cadillac DTS Insurance

Saving money on Cadillac DTS insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a review of the concepts that were raised in the charts and tables above.

  • High-risk drivers who have several accidents or serious violations could be charged and average of $1,330 more per year for auto insurance
  • Teenage drivers are the costliest to insure, costing up to $377 per month if comprehensive and collision insurance is included
  • It is possible to save around $130 per year just by quoting early and online
  • Increasing deductibles can save approximately $350 each year
  • It is possible to save around $130 per year just by quoting early and online

Rates by Driver Age

Cadillac DTS Insurance Rates by Driver Age
Driver Age Premium
16 $4,524
20 $2,640
30 $1,182
40 $1,152
50 $1,054
60 $1,034

Full coverage, $500 deductibles

Rates by Deductible

Cadillac DTS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,378
$250 $1,274
$500 $1,152
$1,000 $1,032

Full coverage, driver age 40

Rates by Liability Limit

Cadillac DTS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,152
50/100 $1,265
100/300 $1,383
250/500 $1,691
100 CSL $1,312
300 CSL $1,573
500 CSL $1,763

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac DTS Insurance Rates for High Risk Drivers
Age Premium
16 $6,404
20 $4,212
30 $2,516
40 $2,486
50 $2,376
60 $2,352

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 $157

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $80
Total Discounts $468
Rate after discounts $684

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

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