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 on average $206, collision costs $314, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,486 or more. Teens receive the highest rates at $4,524 a year or more.

Average premium for full coverage: $1,152

Rate estimates by individual coverage type:

Comprehensive $206
Collision $314
Liability $474

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all DTS models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as low as $522 for the bare minimum liability coverage to the much higher price 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

Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

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

These examples illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based 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 estimated Cadillac DTS insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $684
  • Raising to $1,000 deductibles will save around $120 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,152
  • Selecting pricier low deductibles will cost an extra $226 annually
  • Drivers with serious driving violations could pay upwards of $2,486 or more
  • The cost for full coverage for a 16-year-old driver for full coverage may cost $4,524

View Chart as Image

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

Auto insurance rates for a Cadillac DTS can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age

Where you live also has a big influence on Cadillac DTS insurance prices. A middle-age driver might find rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,560 on average in Michigan, New York, and Florida.

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 can reduce rates by up to $350 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. Cadillac DTS insurance for high-risk drivers is expensive and can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted 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 $1,130 $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 Affordable Cadillac DTS Insurance

Saving money on insurance for a Cadillac DTS consists of being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief review of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,330 more each year than a safer driver
  • Drivers age 16 to 20 are charged the highest rates, costing up to $377 per month if they have full coverage
  • It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $350 each year
  • It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date

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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