Compare Cadillac DTS Car Insurance Rates [2024]
Average Cadillac DTS auto insurance rates cost $112 per month ($1,344 per year). On average, Cadillac DTS comprehensive insurance coverage costs $327, collision coverage costs $478, and liability coverage costs $379.You may see lower car insurance rates on the DTS because it received a good rating for front-end collision and an acceptable rating for side-impact collision from the IIHS.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Cadillac DTS is considered to be a large luxury vehicle
- Full coverage Cadillac DTS insurance costs around $1,344 a year or $112 each month
- A liability-only policy costs around $539 a year or $45 each month
- Highest DTS insurance rates are for teenage drivers at around $4,912 a year or $409 each month
- Good drivers can save as much as $554 a year by earning policy discounts
- Cadillac DTS insurance costs around $175 less per year than the average vehicle
- Although it is a luxury vehicle, the Cadillac DTS does not qualify as a sports car for insurance which helps reduce costs
- The average Cadillac DTS car insurance rates are $89/mo
- However, insurance costs for your Cadillac DTS will depend on a number of factors
Cadillac DTS car insurance rates amount to $1,344 a year, or $112 a month on average. Some of the factors that determine Cadillac DTS rates include the age and home address of the driver, along with the model year of the car. Take advantage of this easy-to-follow guide to help you in your search for Cadillac DTS insurance rates that meet your budget.
You can start comparing quotes for Cadillac DTS car insurance rates from some of the best car insurance companies by using our free online tool now.
Cadillac DTS Insurance Cost
The average car insurance costs for a Cadillac DTS are $1,344 a year or $112 a month.
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Are Cadillac DTSs Expensive to Insure?
The chart below details how Cadillac DTS insurance rates compare to other luxury cars like the Audi S6, Audi A7, and Mercedes-Benz E300.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi S6 | $444 | $894 | $398 | $1,894 |
| Audi A7 | $406 | $834 | $398 | $1,796 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Jaguar XE | $382 | $774 | $398 | $1,712 |
| Chevrolet Corvette | $494 | $922 | $264 | $1,790 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
What Impacts the Cost of Cadillac DTS Insurance?
The Cadillac DTS trim and model you choose will affect the total price you will pay for Cadillac DTS insurance coverage.
Age of the Vehicle
Older Cadillac DTS models generally cost less to insure. For example, car insurance rates for a 2011 Cadillac DTS are $1,344, while 2010 Cadillac DTS rates are $1,308, a difference of $36.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2011 Cadillac DTS | $260 | $466 | $460 | $1,344 |
| 2010 Cadillac DTS | $250 | $436 | $464 | $1,308 |
Driver Age
Driver age can have a significant impact on Cadillac DTS auto insurance rates. As an example, a 40-year-old driver could pay $142 less each month for their Cadillac DTS auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on Cadillac DTS insurance rates. For example, drivers in Jacksonville may pay $807 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Cadillac DTS car insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac DTS car insurance with violations on their driving record.
Cadillac DTS Safety Ratings
Your Cadillac DTS auto insurance rates are tied to the Cadillac DTS’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Moderate overlap front | Good |
|---|---|
| Side | Average |
| Roof strength | N/R |
| Head restraints and seats | Marginal |
| Source: Insurance Institute for Highway Safety | |
Cadillac DTS Crash Test Ratings
Not only do good Cadillac DTS crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Cadillac DTS auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Cadillac DTS | N/R | N/R | N/R | 4 Stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Cadillac DTS Safety Features
Good Cadillac DTS safety features can result in insurers giving you car insurance discounts. The safety features for the 2011 Cadillac DTS are:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Cadillac DTS Finance and Insurance Cost
If you are financing a Cadillac DTS, you will pay more if you purchase Cadillac DTS auto insurance at the dealership, so be sure to shop around and compare Cadillac DTS auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Cadillac DTS Insurance
You have more options at your disposal to save money on your Cadillac DTS car insurance costs. For example, try these five tips:
- Work with a Direct Insurer Instead of an Insurance Broker for Your Cadillac DTS
- Use Paperless Billing for Your Cadillac DTS Insurance Policy
- Understand the Different Types of Auto Insurance for Your Cadillac DTS
- Understand that Your Insurer Can Change Your Cadillac DTS Auto Insurance Rates Mid-Term for Other Reasons
- Ask Your Insurance Company About Cadillac DTS Discounts
Top Cadillac DTS Insurance Companies
Who is the top auto insurance company for Cadillac DTS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac DTS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac DTS offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Start comparing Cadillac DTS auto insurance quotes for free by using our FREE online comparison tool.
There are many things an insurance company will use to determine how much you pay for your Cadillac DTS insurance rates. There are three main factors the insurance companies use to determine how much your auto insurance will cost.
Keep reading to learn a bit more, and then enter your ZIP code now to compare car insurance rates for your Cadillac DTS!
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Three Factors
#1 – Environmental
The environmental situation means where you live, drive, park your car, etc.
If you live in a neighborhood that is known for having the deadliest corner in the city, then your car insurance company is going to take that into consideration when they determine your costs, regardless of how well you drive.
In addition, if you live in a high crime area where auto theft is high, then your insurance company will raise your rates because of the increased risk. There is also a higher risk if there are high incidences of vandalism in your neighborhood.
Of course, these environmental factors can work in your favor as well.
If you live in a neighborhood that is rated the safest place to live, for example, this will have a positive effect on your auto insurance rates.
#2 – Personal
Some personal factors that are out of your control are your age and gender. Both of these elements have a serious impact on your rates until you are older than 25. Drivers over 25 should see lower car insurance premiums.
The way that you drive will impact your insurance rates for your Cadillac DTS. If you have never had a speeding ticket or never caused an accident, it’s a safe bet that your insurance rates aren’t being negatively impacted.
However, if you tend to speed or have had several accident claims then you are considered a high-risk driver which will increase your insurance rates.
Your credit score is another thing that the insurance company will take into consideration.
If your credit is bad, you may find that your rates are much higher than the national average, even if you are a great driver. What’s more some insurance companies may refuse to insure you at all!
#3 – Vehicle
The insurance company will have to consider how much it will cost to replace your vehicle if you were to have a serious accident that causes it to be a total loss or if your car is stolen.
Although this value will be based on its trade-in value and not the total sale price, that is still a big price tag to consider, as the Cadillac DTS is quite expensive.
You can ensure a lower premium by purchasing an older model Cadillac.
What are the Safety Features on the Cadillac DTS?
The Cadillac DTS offers many great safety features that will help to keep your premiums low.
They include:
- 4-wheel Automatic Brake System
- Traction control
- Electronic stability control
- Tire pressure monitoring system
- 3-point safety belt system
- Side blind zone alert system
- Front and rear park assist
However, one of the most impressive features is the PASS-Key III immobilizer. This anti-theft device prevents the Cadillac from being started without the proper key; this means the car can’t be hot wired.
In addition, if the Cadillac DTS is stolen, it can be turned off remotely.
The Insurance Institute for Highway Safety rates vehicles with four ratings, good, acceptable, marginal and poor.
The Cadillac DTS received a good rating for front-end collision, an acceptable rating for side impact collision and a marginal rating for rear impact.
How can I get the lowest insurance rates on my Cadillac DTS?
Some people may assume that since you drive around in a luxury vehicle that you don’t have to worry about how much things like insurance costs.
However, driving a luxury vehicle doesn’t automatically equate to the driver being wealthy.
The only thing to do to ensure that you get the lowest insurance rates for your Cadillac DTS is to shop around.
The easiest way to do that is with our free quote tool. You will be able to compare the insurance rates of multiple companies side by side so that you can be sure to get the lowest rate possible.
Enter your ZIP code now to compare car insurance quotes for your Cadillac DTS!
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Frequently Asked Questions
How can I compare Cadillac DTS car insurance rates?
Comparing Cadillac DTS car insurance rates can be done by following these steps:
- Gather information: Collect details about your Cadillac DTS, such as its make, model, year of manufacture, and vehicle identification number (VIN).
- Research insurance providers: Look for insurance companies that offer coverage for Cadillac DTS vehicles.
- Obtain quotes: Contact multiple insurance providers and request quotes for your Cadillac DTS. Provide them with accurate information to receive accurate quotes.
- Compare rates and coverage: Review the quotes received, comparing the rates and the coverage options offered.
- Consider additional factors: Apart from rates, consider factors like customer service, financial stability of the insurer, and policy features.
- Make an informed decision: Choose the insurance policy that provides the best coverage at a competitive rate for your Cadillac DTS.
What factors affect Cadillac DTS car insurance rates?
Several factors can influence the insurance rates for a Cadillac DTS, including:
- Driver’s age, gender, and driving record
- Location and ZIP code
- Vehicle’s make, model, and year
- Safety features and anti-theft devices
- Annual mileage
- Insurance coverage limits and deductibles
- Credit history (in some states and countries)
What are the pros of insuring a Cadillac DTS?
The pros of insuring a Cadillac DTS may include:
- Comprehensive coverage: Insurance can provide financial protection against theft, accidents, and damage caused to your Cadillac DTS.
- Peace of mind: Knowing that you have insurance coverage can bring peace of mind, reducing worries about potential expenses.
- Legal requirement: In many jurisdictions, having car insurance is a legal requirement, and insuring your Cadillac DTS ensures compliance with the law.
- Assistance with repairs: Insurance coverage often includes provisions for vehicle repairs, reducing out-of-pocket expenses.
What are the cons of insuring a Cadillac DTS?
The cons of insuring a Cadillac DTS may include:
- Cost: Insurance premiums for luxury vehicles like the Cadillac DTS tend to be higher due to factors such as repair costs, parts availability, and perceived higher risk.
- Depreciation: As the vehicle ages, its value depreciates, potentially affecting the payout in the event of a total loss.
- Policy restrictions: Certain insurers may have restrictions on coverage for luxury vehicles or require additional coverage options, which can increase costs.
- Deductibles and exclusions: Insurance policies often have deductibles and exclusions, which means you may have to pay out-of-pocket for certain types of damage or accidents.
Are there any specific discounts available for insuring a Cadillac DTS?
Yes, insurance companies may offer various discounts that can help lower the insurance rates for a Cadillac DTS. Some potential discounts include:
- Multi-policy discount: If you insure your Cadillac DTS and other policies (such as home or life insurance) with the same insurer, you may be eligible for a discount.
- Safe driver discount: Maintaining a clean driving record, free from accidents and traffic violations, can qualify you for a safe driver discount.
- Anti-theft device discount: Equipping your Cadillac DTS with anti-theft devices, such as alarms or tracking systems, can lead to a discount on your insurance premium.
- Safety feature discount: Certain safety features installed in your Cadillac DTS, such as airbags, anti-lock brakes, or stability control, may make you eligible for a discount.
- Good student discount: If you or a covered driver on your policy is a student with good grades, you may be eligible for a discount.
- Loyalty discount: Some insurers offer discounts to customers who have been insured with them for a certain period of time.
- Pay-in-full discount: Paying your insurance premium in full upfront may result in a discount.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.