Cadillac DTS Insurance Rates
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UPDATED: Apr 19, 2024
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The average insurance rates for a Cadillac DTS are $1,198 a year for full coverage. Comprehensive insurance costs on average $220 each year, collision insurance costs $342, and liability insurance is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs $2,592 or more. 16-year-old drivers cost the most to insure at up to $4,680 a year.
Average premium for full coverage: $1,198
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and DTS models.
Price Range Variability
For a driver in their 40's, Cadillac DTS insurance rates range from as low as $526 for just the minimum liability insurance to a high rate of $2,592 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
The examples above show why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on rate 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.
Additional Rate Analysis
The chart below shows average Cadillac DTS insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $708
- Raising to $1,000 deductibles will save around $126 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,198
- Buying low deductibles will cost an extra $248 a year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,592
- Policy cost for full coverage for a teen driver may cost $4,680
Auto insurance rates for a Cadillac DTS also range considerably based on your risk profile, the trim level of your DTS, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age
Your home state also has a big influence on Cadillac DTS insurance rates. A middle-age driver might find rates as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$112 | -9.3% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,366 | $168 | 14.0% |
| Colorado | $1,146 | -$52 | -4.3% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $812 | -$386 | -32.2% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $810 | -$388 | -32.4% |
| Kansas | $1,142 | -$56 | -4.7% |
| Kentucky | $1,638 | $440 | 36.7% |
| Louisiana | $1,774 | $576 | 48.1% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $960 | -$238 | -19.9% |
| Michigan | $2,086 | $888 | 74.1% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,290 | $92 | 7.7% |
| Nebraska | $946 | -$252 | -21.0% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $866 | -$332 | -27.7% |
| New Jersey | $1,342 | $144 | 12.0% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $692 | -$506 | -42.2% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,146 | -$52 | -4.3% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,052 | -$146 | -12.2% |
| Texas | $1,448 | $250 | 20.9% |
| Utah | $890 | -$308 | -25.7% |
| Vermont | $820 | -$378 | -31.6% |
| Virginia | $718 | -$480 | -40.1% |
| Washington | $926 | -$272 | -22.7% |
| West Virginia | $1,098 | -$100 | -8.3% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |
Opting for high physical damage deductibles can reduce rates by up to $380 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS 4-Dr Sedan | $1,176 | $98 |
| Cadillac DTS Luxury 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Premium 4-Dr Sedan | $1,198 | $100 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
| Cadillac DTS Platinum 4-Dr Sedan | $1,222 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Cadillac DTS | $220 | $342 | $478 | $1,198 |
| 2010 Cadillac DTS | $206 | $314 | $474 | $1,152 |
| 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 More Affordable Cadillac DTS Insurance
Finding cheaper rates on Cadillac DTS insurance consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
Below is a summary of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who have multiple accidents or major violations will pay on average $1,390 more each year for auto insurance
- Drivers can save as much as $140 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $375 each year
- Drivers who require higher levels of liability will pay around $530 each year to raise from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,680 |
| 20 | $2,754 |
| 30 | $1,232 |
| 40 | $1,198 |
| 50 | $1,100 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,334 |
| $500 | $1,198 |
| $1,000 | $1,072 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,318 |
| 100/300 | $1,437 |
| 250/500 | $1,748 |
| 100 CSL | $1,365 |
| 300 CSL | $1,628 |
| 500 CSL | $1,820 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,390 |
| 30 | $2,628 |
| 40 | $2,592 |
| 50 | $2,478 |
| 60 | $2,454 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $48 |
| Advance Quote | $56 |
| Online Quote | $83 |
| Total Discounts | $490 |
Discounts are estimated and may not be available from every company or in every state.
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