Be super careful about your caps specs! They might not be what they claim to be.
One problem with ceramic caps is that they loose capacitance as the voltage increases. For example, this X5R ceramic cap from Venkel is rated at 10 uF and 6.3v. The problem is that at 6.3v, the actual capacitance goes down to only 2 uF! That's an 80% drop! Even at 2.0v, you are missing 30% of the rated value.
This is documented here, but it is in no way limited to Venkel. X7R, X5R, and probably other ceramic caps suffer from this to some extent. COG/NPO does not seem to have this issue. I should point out that this problem was not listed in the overall capacitor datasheet, but only in a supplemental "technical data" document that was not located in the same place on their web page.
Your basic question, however, is "how much should I derate" capacitors. Of course if you ask 10 EE's about this then you will probably get 15 different answers. Here is my very rough rules of thumb or guidelines.
Aluminum Electrolytic caps will be derated to at least 50% if the capacitance is critical. Meaning, I will use a 25v cap on a 12.5v rail. If the capacitance is not critical then I will allow for less voltage margin.
Tantalum caps will be derated to at least 50% on most rails, reguardless of use.
Ceramic caps above 10v will be derated to 50%. As the voltage drops below 10v, I will allow for less margin. I will run a 4.6v cap on a 3.3v rail, for example. But keep in mind what I've already said about ceramic caps.
The lighter the stress on a cap the less margin I will allow. For example, if a signal only very occasionally goes to 90v but is mostly below 50v then I might use a 100v ceramic cap. Temperature, voltage, current, and ESL/ESR effects all play into this. A cap with lots of stress will get much more of a margin.
Derating less than 50% only happens if there are other reasons to do so. If cost, size, and other factors do not come into play then I always derate at least 50%.
If a circuit is well behaved and issues of voltage spikes or other bad behavior is not an issue then I might leave less margin.
But these are only rough rules of thumb. You have to consider each case separately and weight the pros and cons.
Here is some documentation from AVX. It is on page 3, under the heading of "DC Bias Dependency". Note that their voltage vs capacitance curves for X7R are much "nicer" than what Venkel has-- so if the cap value is really important then do the research and get the cap that you intended.