Cadillac DTS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Cadillac DTS than the average car.
• Liability only insurance rates for a DTS tend to be around $75 monthly, while full coverage normally averages about $149 per month.
• Aspire is the lowest car insurance company for a DTS with a national average of just $26 a month for liability only coverage.

DTS Overview

With a base price of $46,680 for 2011 models, the Cadillac DTS is a high-end car for drivers with extra room in their budgets. There are five different trim levels currently available, so you'll be sure to find an option to fit your style.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Cadillac DTS car insurance prices run around $114 monthly, on average. Compared to other vehicles in the market, how do DTS auto insurance premiums stack up?

How Much is Car Insurance for a Cadillac DTS?

Looking at the table above, you can see that Cadillac DTS insurance prices are below average. On average, DTS owners will pay about $75 per month for liability insurance, and around $149 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other Cadillac models, the DTS is more affordable, with premiums more than 10% lower than the rest of the manufacturer's vehicle offerings. Similarly, coverage for the DTS is lower than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive rates than other cars.

When compared to all vehicles, regardless of body style, make, or model, the DTS follows a similar pattern of having below average insurance premiums.

Who has the Cheapest Car Insurance for a Cadillac DTS?

If you're looking for a new auto insurance policy for your Cadillac DTS, you might be wondering which carrier offers the most affordable prices. Although there will never be one company that offers the cheapest rates for everyone, ACG provides the most affordable average rates for liability only coverage, with rates as low as $18 monthly. The next cheapest carrier is Aspire, who offers auto insurance sometimes as cheap as $26 per month.

Rounding out the list are United Absolute, Workmens, and Mapfre. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take multiple different things into consideration when calculating monthly premiums. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from lots of car insurance companies.

What Factors Affect Car Insurance Rates for a Cadillac DTS?

As we mentioned above, there are a whole range of factors that insurance carriers use to determine how much they charge for auto insurance -- and each company weighs certain pieces more than others, so there's not one single carrier that's the most affordable for everyone.

Keep reading to learn which variables insurance companies look at and how they affect your final rate:

Vehicle Age

The Cadillac DTS has been around for a while, so vehicle age will likely play a big role in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and DTSs continue to depreciate, insurance costs will gradually go lower.

A new Cadillac DTS model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Cadillac DTSs to insure are those that are 2 to 3 years old, while the most expensive models are DTSs that are 11 to 14 years old, on average.

Your Age

Age is another factor that makes a significant difference in how much auto insurance carriers will charge for a policy. In the table above, you'll see that younger drivers pay more compared to those who have more experience. In this case, drivers aged between 18 and 24 pay $31 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for DTS drivers being 55-64.

Your Gender

Did you know men usually pay more for car insurance than women? This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim. When it comes to DTS drivers specifically, women pay about $7 less than men monthly for insurance.

Where You Live

You might already know that factors such as how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live has just as much of an impact. Insurance is regulated on the state level and not nationally, so rates can fluctuate quite a bit depending on where you live.

For example, the average Cadillac DTS driver in New York pays around $175 per month for liability coverage, while the same owner from California will pay less than half of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

Cadillac DTS Car Insurance Discounts

Regardless of your age, your car, or your home state, using as many discounts as possible when it comes to your auto insurance policy is always important.

While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-vehicle discounts for having several cars on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same insurance company

While these are just a few of the discounts auto insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Even though you don't have control over every variable insurance companies examine to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use in your favor when it comes to saving cash:

Your Driving Record

You've most likely observed ads from car insurance carriers offering hefty discounts for good drivers. It makes sense that if you get cited for speeding or get into an accident, auto insurance prices will get higher. But you're probably wondering exactly how much these infractions can cost you.

As you can see from the table above, accidents will usually cost DTS drivers more than tickets, but both will result in higher than average rates. Cadillac DTS drivers with a single accident on their record pay an average of $97 every month (up $22 from the $75/mo. overall average), while drivers with one ticket will pay about $91 a month. Those with more than one of either violation will end up paying even more.

How Much You Drive

Another factor that impacts your insurance premiums is how much you drive. Those who are on the roads less often are less likely to get speeding tickets, so they'll typically end up spending less on car insurance. In the above table, you can see that Cadillac DTS owners who drive 10,000 miles or more pay $76 for auto insurance, while those who drive fewer than 2,500 miles per year pay an average of $69 per month.

But if you don't drive much because have a second vehicle or you work from home, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Cadillac DTSs Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Cadillac DTS is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering carefully.

Take a look at the table below to see how the Cadillac DTS compares:

Overall, the Cadillac DTS is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. At $46,680, the DTS price comes in above the national average MSRP of $35,020. And since there hasn't been a new DTS model on the market recently, used prices will be even more affordable.

Although the purchase price is on the more expensive end of the spectrum, car insurance rates run below average when compared to the rest of the vehicle market. Liability insurance for a Cadillac DTS is about $16 per month less than average, while full coverage is $19 less a month.

When it comes to usage, Cadillac DTS owners drive about the same amount annually as the national average, with 12,572 miles each year compared to 11,617 for all vehicles.

Cadillac DTS Car Insurance Costs by Model Year

You've seen how different variables can affect how much you might pay for insurance. But if you're considering buying a new vehicle and the DTS is one you're thinking about, knowing what you can expect to pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2011 Cadillac DTS Car Insurance

The average cost to insure a 2011 Cadillac DTS with liability only coverage is $65 monthly, while full coverage runs around $150 a month.

We found Workmens offered the lowest policy, with rates as little as $22 per month.

If you want to know exactly how much you can expect to pay for your DTS, just enter your ZIP code below and get free quotes in minutes.

2010 Cadillac DTS Car Insurance

You can expect full coverage for a 2010 DTS to run about $173 monthly, while liability only coverage will average around $69 a month.

With prices as cheap as just $24 monthly, MetLife offered the most affordable policy we found for the 2010 Cadillac DTS.

Want to know exactly what your auto insurance premium will be? Enter your ZIP code below to get a variety of free customized quotes.

2009 Cadillac DTS Car Insurance

On average, drivers who own a 2009 Cadillac DTS can expect to pay $74 to $130 per month for liability only and full coverage car insurance, respectively.

ACG has premiums as little as just $18 a month for the 2009 Cadillac DTS.

If you want to find the best rates for auto insurance for a 2009 Cadillac DTS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2008 Cadillac DTS Car Insurance

2008 DTS drivers can expect to pay an average of $79 per month for liability or $144 for full coverage.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as little as $19 monthly.

Want to find the lowest rates? Just enter your ZIP code below to get several personalized quotes for free.

2007 Cadillac DTS Car Insurance

It costs about $75 per month for liability or $145 for a full coverage policy for the 2007 Cadillac DTS.

If you're looking for the lowest possible 2007 Cadillac DTS insurance policy, Elephant offered the most affordable policy we found, with rates as cheap as $19 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2006 Cadillac DTS Car Insurance

On average, drivers who own a 2006 DTS can expect to pay $76 to $154 monthly for liability only and full coverage insurance, respectively.

With prices as low as just $20 a month, Elephant offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2006 Cadillac DTS, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

Cadillac DTS Insurance FAQs

Is a Cadillac DTS expensive to insure?

When compared to the national average of all vehicles, prices come in on the less expensive end of the spectrum. Liability insurance runs an average of $75 monthly, while full coverage will cost you around $149.

How can I get the best price on car insurance for my Cadillac DTS?

There's only one way to guarantee you're getting the lowest rates -- checking prices regularly and comparing quotes from a range of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a wide array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Cadillac DTS affect my insurance rates?

You may have heard that it costs more to insure red cars than silver or white ones, but that's simply not true. While there are many things auto insurance companies use when they decide how much to charge you, your Cadillac DTS's color is not one of them.

Do I need to have insurance before I buy a Cadillac DTS?

Before you can legally drive your new (or new to you) DTS off the dealership lot, you'll need to have a valid car insurance policy. As part of the buying process, some dealerships might offer you an insurance policy, but the best thing to do when buying a an car is to let your insurance company know beforehand.

What car insurance discounts can I get for my Cadillac DTS?

You will find a variety of different discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your DTS has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out is to reach out to your insurance carrier and ask about their list of discounts.