Cadillac DTS Insurance Rates

Average insurance rates for a Cadillac DTS are $1,152 a year including full coverage. Comprehensive costs an estimated $206 a year, collision costs $314, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,486. Teen drivers receive the highest rates at $4,524 a year or more.

Average premium for full coverage: $1,152

Rate estimates broken down by individual coverage type:

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

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.

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.

Rate Comparisons

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

• The lowest rate with discounts is $684
• Drivers who choose higher $1,000 deductibles will pay approximately $1,032 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,152
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,378
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,486 or more
• The cost for full coverage for a teen driver can cost as much as $4,524 a year

View Chart as Image

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 $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $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 $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $350 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 $426 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 $1,400 to $1,900 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

Rates assume 2010 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.

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 $1,330 more annually to insure their DTS
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing deductibles can save around $350 each year
• Drivers who want more liability coverage will pay about $520 per year to go from a minimum limit to 250/500 limits