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

Quick Facts

• A Cadillac DeVille is cheaper to insure compared to the average car.
• Liability only car insurance prices for a DeVille come in at around $69 monthly, while full coverage typically averages about $131.
• CSAA is the lowest insurance carrier for a DeVille with a national average of just $24 a month for liability only coverage.

---

---

DeVille Overview

Coming in with a base MSRP of $46,045 for 2005 models, the Cadillac DeVille is a high-end vehicle that is more expensive than your average car. There are three different trim levels currently offered, so there's something there for every driver.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Cadillac DeVille car insurance rates average out to around $89 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Cadillac DeVille?

In the table above, you'll see that compared to other vehicles, Cadillac DeVille insurance premiums are less expensive than average. On average, DeVille drivers will pay about $131 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $69 monthly for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other models, the DeVille is more affordable, with prices more than 10% lower than other vehicles in Cadillac's lineup. Likewise, coverage for the DeVille is below average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive premiums than other cars.

They're also more affordable to insure than the average vehicle overall, regardless of body style, make, or model.

---

---

Who has the Cheapest Car Insurance for a Cadillac DeVille?

Searching for a car insurance policy for your Cadillac DeVille? You're probably most interested in which company offers the lowest rates. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $24 per month from CSAA. The next cheapest carrier is Encompass, who offers auto insurance as low as just $35 a month.

Rounding out the list are AssuranceAmerica, Hugo, and Aspire. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, insurance companies look at multiple variables when calculating rates, so your results might be different. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a bunch of auto insurance carriers.

---

---

What Factors Affect Car Insurance Rates for a Cadillac DeVille?

There are a wide array of factors that car insurance companies take a look at to calculate how much to charge you for insurance -- and every company weighs different pieces more heavily than others, so there's not one carrier that's the cheapest for each driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Cadillac DeVille has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for car insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and DeVilles continue to depreciate, insurance costs will gradually decrease.

A new Cadillac DeVille model hasn't been added to the market for over 5 years, so the DeVille won't really fit this trend. However, as you can see in the table above, the most expensive Cadillac DeVilles to insure are those that are 11 to 14 years old, while the cheapest models are DeVilles that are 8 to 10 years old, on average.

Your Age

Age is another variable that makes a big difference in how much auto insurance carriers will charge for insurance. As you can see above, older DeVille drivers have cheaper rates compared to younger drivers. Cadillac DeVille drivers between 18 and 24 actually pay $33 more than those 25 or older.

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

Your Gender

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance companies will tend to charge women less than men. The Cadillac DeVille is no different, and men pay around $70 per month for car insurance, while women pay about $66.

Where You Live

You might think it's common sense that factors such as what vehicle you drive and how old you are play a role in your auto insurance premiums, but you may not realize that where you live can have just as much as an impact. Auto insurance is regulated on the state level and not nationally, so rates differ quite a bit depending on where you live.

For example, the average Cadillac DeVille owner from New York pays around $170 monthly for liability coverage, while on average, the same driver from California will pay less than 50% of that price. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

---

---

Cadillac DeVille Car Insurance Discounts

Regardless of how old you are, what car you drive, or what state you call home, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

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

These are just a few of the discounts insurance carriers offer, and sometimes, the best way to save isn't through a "discount" at all, but rather by having a favorable driving record and insurance profile.

While you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), there is quite a bit that you can control. Below are just a few of the things you can use to your favor in order to save on insurance:

Your Driving Record

You've almost certainly observed ads from car insurance companies offering big savings for responsible drivers. It checks out that your auto insurance prices will increase if you get cited for speeding or get into a collision. But how much will they cost you?

As you can tell from the table above, accidents will usually cost DeVille drivers more than tickets, but both will result in above average rates. Cadillac DeVille drivers with one accident on their record pay about $101 each month (up $32 from the $69/mo. overall average), while drivers with a single ticket will pay an average of $81 per month. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

The total distance you drive affects your insurance rates. Drivers who are on the roads less often are more likely to go accident-free, so they'll generally end up spending less on auto insurance. In the above table, you can see that Cadillac DeVille owners who drive 10,000 miles or more pay $71 for car insurance, while those who drive fewer than 2,500 miles every year pay an average of $60 a month.

If you don't drive much because have a second vehicle or you work from home, you might consider learning about usage-based or pay-per-mile insurance policies. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

---

---

How Do Cadillac DeVilles Compare to Other Vehicles?

If you're considering making a Cadillac DeVille your next vehicle, it might be helpful to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

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

Overall, the Cadillac DeVille is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the national average vehicle price is $30,630, the DeVille comes in above that at $46,045. A used DeVille will be even lower, since there hasn't been a new model added to the market in the last few years.

But while the purchase price is on the higher end of the spectrum, car insurance premiums are slightly cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Cadillac DeVille is about $13 a month cheaper than average, while liability only coverage is $3 cheaper monthly.

However, it is worth noting that the DeVille owners tend to drive their cars less than the average American driver, with only 10,398 annual miles for the average owner.

Cadillac DeVille Car Insurance Costs by Model Year

We've gone over many of the variables that can affect how much you might pay for auto insurance. If you're considering purchasing a new DeVille, having a good idea of how much you'll likely pay can be helpful as you consider your options.

Choose Your Model

2005 Cadillac DeVille Car Insurance 2004 Cadillac DeVille Car Insurance 2003 Cadillac DeVille Car Insurance 2002 Cadillac DeVille Car Insurance 2001 Cadillac DeVille Car Insurance 2000 Cadillac DeVille Car Insurance 1999 Cadillac DeVille Car Insurance 1998 Cadillac DeVille Car Insurance 1997 Cadillac DeVille Car Insurance 1996 Cadillac DeVille Car Insurance 1995 Cadillac DeVille Car Insurance 1994 Cadillac DeVille Car Insurance 1993 Cadillac DeVille Car Insurance

2005 Cadillac DeVille Car Insurance

You can expect full coverage for a 2005 DeVille to run around $156 per month, while liability only coverage will average about $78 a month.

With rates sometimes as little as $20 monthly, Elephant offered the most affordable policy we found for the 2005 Cadillac DeVille.

While these are good estimates of what the average driver might pay to insure a 2005 Cadillac DeVille, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

---

---

2004 Cadillac DeVille Car Insurance

It costs around $69 per month for liability or $135 for a full coverage policy for the 2004 Cadillac DeVille.

With rates sometimes as low as $20 monthly, Mapfre offered the cheapest policy we found.

Want to know just how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

---

---

2003 Cadillac DeVille Car Insurance

The average cost to insure a 2003 DeVille with liability only coverage is $72 a month, while full coverage runs about $134 monthly.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as low as $17 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

---

---

2002 Cadillac DeVille Car Insurance

2002 Cadillac DeVille drivers can expect to pay an average of $75 a month for liability or $136 for full coverage.

MetLife has prices as little as $17 monthly for the 2002 Cadillac DeVille.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get a variety of free customized quotes.

---

---

2001 Cadillac DeVille Car Insurance

On average, drivers who own a 2001 DeVille can expect to pay $71 to $114 a month for liability only and full coverage auto insurance, respectively.

CSAA offered the most affordable policy we found, with rates as cheap as $17 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

---

---

2000 Cadillac DeVille Car Insurance

You can expect full coverage for a 2000 Cadillac DeVille to run around $119 monthly, while liability only coverage will average about $66 per month.

If you're looking for the cheapest possible 2000 Cadillac DeVille insurance policy, Kemper offered the cheapest policy we found, with rates as cheap as just $17 a month.

While these are good estimates of what the average driver might pay to insure a 2000 Cadillac DeVille, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

---

---

1999 Cadillac DeVille Car Insurance

1999 DeVille drivers can expect to pay an average of $64 per month for liability or $113 for full coverage.

We found Mile Auto offered the most affordable policy, with rates as little as just $18 a month.

What could your insurance price look like? Enter your ZIP code below to get several personalized quotes for free.

---

---

1998 Cadillac DeVille Car Insurance

It costs around $59 monthly for liability or $130 for a full coverage policy for the 1998 Cadillac DeVille.

Commonwealth Casualty offered the lowest policy we found, with rates sometimes as cheap as $17 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 1998 Cadillac DeVille, you can get free quotes in minutes by just entering your ZIP code below.

---

---

1997 Cadillac DeVille Car Insurance

On average, drivers who own a 1997 DeVille can expect to pay $67 to $102 monthly for liability only and full coverage insurance, respectively.

We found Workmens offered the most affordable policy, with rates as low as $24 a month.

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

---

---

1996 Cadillac DeVille Car Insurance

The average cost to insure a 1996 Cadillac DeVille with liability only coverage is $61 per month, while full coverage runs about $117 monthly.

Commonwealth Casualty has premiums as little as just $18 a month for the 1996 Cadillac DeVille.

What will your auto insurance premium be? Get lots of free customized quotes by just entering your ZIP code below.

---

---

1995 Cadillac DeVille Car Insurance

On average, drivers who own a 1995 DeVille can expect to pay $67 to $149 per month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Safeco offered liability only coverage for sometimes as low as $19 a month.

If you want to find the best prices for insurance for a 1995 Cadillac DeVille, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

---

---

1994 Cadillac DeVille Car Insurance

The average cost to insure a 1994 Cadillac DeVille with liability only coverage is $59 monthly, while full coverage runs around $113 a month.

With premiums as cheap as $20 per month, Jupiter offered the lowest policy we found for the 1994 Cadillac DeVille.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

---

---

1993 Cadillac DeVille Car Insurance

1993 DeVille drivers can expect to pay an average of $64 monthly for liability or $106 for full coverage.

With rates as low as just $18 per month, MetLife offered the most affordable policy we found.

If you want to find the best prices for auto insurance for a 1993 Cadillac DeVille, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

---

---

Cadillac DeVille Insurance FAQs

Is a Cadillac DeVille expensive to insure?

Liability insurance runs an average of $69 a month, while full coverage will cost you around $131. The Cadillac DeVille is relatively cheap to insure compared to the average vehicle.

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

There's only one way to make sure you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from an array of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

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

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's just a myth. There are a whole range of factors car insurance companies consider when they offer you a premium, but your car's color isn't one of them.

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

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

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

You will find many discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your DeVille has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to be certain is to reach out to your insurance carrier and ask about their list of discounts, since they fluctuate quite a bit from carrier to carrier.