Cadillac DTS Auto Insurance Rates: How much is Cadillac DTS insurance?

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 20, 2020

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Here's what you need to know...

  • 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
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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?

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
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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
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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
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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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Compare Free Cadillac DTS Insurance Quotes Online

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.

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#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!

References:

  1. https://www.kiplinger.com/article/insurance/T004-C000-S001-where-you-live-has-a-huge-effect-on-car-insurance.html
  2. https://www.edmunds.com/cadillac/dts/
  3. https://www.consumerreports.org/cro/2012/04/guide-to-safety-features/index.htm
  4. https://www.cheviguide.com/cinfo-1239.html
  5. https://www.iihs.org/

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