Cadillac DTS Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Average insurance rates for a Cadillac DTS are $1,110 a year for full coverage. Comprehensive costs on average $194 a year, collision costs $284, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,394. Teen drivers receive the highest rates at $4,392 a year or more.

Average premium for full coverage: $1,110

Rate estimates by individual coverage type:

Comprehensive $194
Collision $284
Liability $474

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and DTS trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for only liability insurance to a high of $2,394 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location 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.

Insurance Rate Analysis

The chart below shows estimated Cadillac DTS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $664
  • Drivers who choose higher $1,000 deductibles will pay around $1,002 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,110
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,320
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,394 or more
  • The cost for full coverage for a teen driver may cost $4,392 a year

View Chart as Image

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

for a Cadillac DTS can also vary considerably based on your driver profile, the trim level of your DTS, and policy deductibles and limits.

Older drivers 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 upwards of $4,300 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 $730 a year in states like Idaho, Maine, and Iowa, or as much as $1,580 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $320 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, 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 $1,090 $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 Find Cheaper Cadillac DTS Insurance

Saving money on Cadillac DTS insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $325 each year
  • Drivers can save as much as $130 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $366 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,280 more each year for insurance

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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