Best Cadillac DTS Insurance Rates [How to Find Cheap Rates]

Average auto insurance rates for a Cadillac DTS cost $1,344 a year, or around $112 a month. On average, Cadillac DTS comprehensive insurance coverage costs $327, collision coverage costs $478, and liability coverage costs $379.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Key takeaways:

  • Full coverage costs around $1,344 a year or $112 each month
  • A liability-only policy costs around $539 a year or $45 each month
  • Highest 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

Are you searching for cheap Cadillac DTS insurance rates? Full coverage for a Cadillac DTS costs around $1,344 a year or $112 each month. Learn more about Cadillac DTS insurance rates and savings advice in our comprehensive guide.

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 Cadillac DTS car insurance rates 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 Lexus IS 300, Jaguar XF, and Cadillac CTS-V.

Vehicle Comprehensive Collision Liability Total
Lexus IS 300 $356 $686 $398 $1,598
Jaguar XF $406 $804 $398 $1,766
Cadillac CTS-V $406 $804 $338 $1,684
Mercedes-Benz C300 $404 $718 $372 $1,652
Mercedes-Benz CLS 550 $432 $952 $398 $1,940
Audi A6 $382 $744 $398 $1,682
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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?

You might have noticed that there is a multitude of factors that impact Cadillac DTS car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Cadillac DTS.

Age of the Vehicle

Older Cadillac DTS models generally cost less to insure. For example, auto 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
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Driver Age

Driver age can have a significant impact on the cost of Cadillac DTS auto insurance. For example, 20-year-old drivers pay as much as $1,703 more each year for their Cadillac DTS auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac DTS insurance rates. For example, drivers in Houston may pay $990 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Cadillac DTS auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Cadillac DTS car insurance with violations on their driving record.

Cadillac DTS Safety Ratings

Your Cadillac DTS car insurance rates are tied to the safety ratings of the Cadillac DTS. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front Good
Side Acceptable
Roof strength N/R
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety
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Cadillac DTS Crash Test Ratings

Cadillac DTS crash test ratings can impact your Cadillac DTS car insurance rates. See Cadillac DTS crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2011 Cadillac DTS 4 DR FWD N/R N/R N/R 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Cadillac DTS Safety Features

The Cadillac DTS safety features can help lower insurance costs. The Cadillac DTS has the following safety features:

  • 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 can save more money on your Cadillac DTS auto insurance rates by employing any of the following five strategies.

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Reduce Modifications on Your Cadillac DTS
  • Ask About Retiree Discounts
  • Buy An Older Cadillac DTS
  • Re-Check Cadillac DTS Quotes Every 6 Months

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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Compare Free Cadillac DTS Insurance Quotes Online

Start comparing Cadillac DTS car insurance quotes for free by using our convenient online comparison tool.

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