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Are Cadillac DTSs Expensive to Insure? [Comprehensive Guide]

Your Cadillac DTS car insurance costs will average at $112/mo or $1,344/yr. Cadillac DTS car insurance rates becomes more expensive if you are a young driver or will be driving a newer model. Good drivers can save up to $554 a year on these costs by earning discounts on their policy and searching for the best Cadillac DTS car insurance quotes.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 10, 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

Are Cadillac DTSs expensive to insure?

Cadillac DTS insurance rates are quite a bit less than the average vehicle, with full coverage costing around $1,344 a year or $112 a month. Liability-only coverage is much cheaper for older vehicles at $539 a year or $45 a month.

When you compare car insurance, good drivers may be eligible for up to $554 in policy discounts for staying safe on the road. Let’s dive into affordable Cadillac DTS car 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 auto 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 Audi S7, Chevrolet Corvette, and Lexus ES 350.

Vehicle Comprehensive Collision Liability Total
Audi S7 $532 $1,250 $398 $2,338
Chevrolet Corvette $494 $922 $264 $1,790
Lexus ES 350 $362 $656 $316 $1,470
Cadillac CT6 $382 $774 $398 $1,712
Volvo S60 $332 $656 $398 $1,544
Audi A6 $382 $744 $398 $1,682

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

Driver Age

Driver age can have a significant effect on Cadillac DTS car insurance rates. For example, 20-year-old drivers pay $1,644 more for their Cadillac DTS car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac DTS insurance rates. For example, drivers in New York may pay $820 a year more than drivers in Seattle.

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 auto insurance rates are tied to the Cadillac DTS’s safety ratings. 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 Average
Roof strength Not Tested
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety

Cadillac DTS Crash Test Ratings

Cadillac DTS crash test ratings can impact the cost of your Cadillac DTS car insurance. See Cadillac DTS crash test results below:

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

Cadillac DTS Safety Features

Good Cadillac DTS safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 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, most lenders will require your carry higher Cadillac DTS coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac DTS auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Cadillac DTS Insurance

There are several ways you can save even more on your Cadillac DTS car insurance rates. Take a look at the following five tips:

  • Renew Your Cadillac DTS Insurance Coverage to Avoid Lapses
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Make Sure You Use an Accredited Driver Safety Program
  • Ask About Loyalty Discounts
  • Get Married and Ask for a Discount

Top Cadillac DTS Car Insurance Companies

Who is the best 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 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

Compare Free Cadillac DTS Insurance Quotes Online

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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