Cadillac DTS Insurance Cost [Guide + Free Quotes]

Average Cadillac DTS insurance rates cost $1,344 a year, or $112 a month. On average, Cadillac DTS comprehensive insurance coverage costs $327, collision coverage costs $478, and liability coverage costs $379. Cadillac DTS insurance costs around $175 less per year than the average vehicle. Good drivers can save up to $554 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 2020

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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

Cadillac DTS insurance rates are about $175 less per year than the average vehicle with full coverage costing around $1,344 a year or $112 a month. The highest rates are for teens who will pay around $4,912 a year or $409 a month.

Good drivers can save up to $554 a year in policy discounts by staying safe and courteous while out on the roadways. Let’s take a closer look at Cadillac DTS insurance rates, safety features, and more.

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 costs 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 350, Mercedes-Benz C300, and Lexus GS 350.

Vehicle Comprehensive Collision Liability Total
Lexus IS 350 $344 $686 $398 $1,586
Mercedes-Benz C300 $404 $718 $372 $1,652
Lexus GS 350 $370 $714 $338 $1,558
Volvo S60 $332 $656 $398 $1,544
Cadillac CT6 $382 $774 $398 $1,712
Infiniti Q70 $370 $774 $338 $1,618
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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 can impact 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 for a 2011 Cadillac DTS costs $1,344, while 2010 Cadillac DTS insurance costs 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 Phoenix may pay $739 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your Cadillac DTS auto insurance rates. 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 car insurance rates are influenced by the safety ratings of the Cadillac DTS. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Acceptable
Roof strength Not Tested
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety
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Cadillac DTS Crash Test Ratings

Poor Cadillac DTS crash test ratings could mean higher Cadillac DTS car insurance rates.

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

Cadillac DTS safety features can lower the cost of your insurance. The safety features for the 2020 Cadillac DTS include:

  • 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 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Cadillac DTS car insurance rates

  • Use a Service Like Turo to Rent Out Your Cadillac DTS
  • Remove Young Drivers from Your Cadillac DTS Insurance Plan
  • Ask About Farm and Ranch Vehicle Discounts
  • Get Cheaper Cadillac DTS Car Insurance Rates as a Full-Time Parent
  • Take a Defensive Driving Course or Any Driver’s Education Course

Top Cadillac DTS Insurance Companies

Who is the top car 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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