Cadillac STS V6 4-Dr Sedan Insurance Rates

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The average insurance prices for a Cadillac STS V6 4-Dr Sedan are $1,618 every 12 months with full coverage. Comprehensive insurance costs on average $410 a year, collision costs $762, and liability coverage costs $310. A liability-only policy costs as little as $370 a year, with high-risk insurance costing $3,494 or more. Teenage drivers cost the most to insure at $5,690 a year or more.

Annual premium for full coverage: $1,618

Policy rates by individual coverage type:

Comprehensive $410
Collision $762
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Cadillac STS Trim Level

Using a middle-aged driver as an example, Cadillac STS V6 4-Dr Sedan insurance rates go from the cheapest price of $370 for your basic liability-only policy to a high of $3,494 for a high-risk driver policy.

Liability Only $370
Full Coverage $1,618
High Risk $3,494

These price differences demonstrate why it is important for drivers to compare rates based on a specific location and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

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Car insurance rates for a Cadillac STS V6 4-Dr Sedan also range considerably based on liability limits and deductibles, your driving record, and the model year of your STS.

Using high physical damage deductibles could save up to $790 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac STS V6 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

Cadillac STS V6 4-Dr Sedan insurance cost comparison chart
Column chart showing Cadillac STS V6 4-Dr Sedan insurance prices range from $903 to $5,690 for full coverage

The chart above shows Cadillac STS V6 4-Dr Sedan insurance rates for different coverage choices and risks. The cheapest rate with discounts is $903. Drivers who use higher $1,000 deductibles will pay $1,352. The average rate for a 40-year-old male driver using $500 deductibles is $1,618. Choosing low $100 deductibles for comp and collision coverage can cost as much as $2,134. Drivers with multiple violations and accidents could be charged around $3,494. The cost for full coverage for a teen driver is $5,690.

Cadillac STS V6 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,460 -$158 -9.8%
Alaska $1,238 -$380 -23.5%
Arizona $1,340 -$278 -17.2%
Arkansas $1,618 -$0 0.0%
California $1,842 $224 13.8%
Colorado $1,544 -$74 -4.6%
Connecticut $1,660 $42 2.6%
Delaware $1,828 $210 13.0%
Florida $2,018 $400 24.7%
Georgia $1,494 -$124 -7.7%
Hawaii $1,160 -$458 -28.3%
Idaho $1,096 -$522 -32.3%
Illinois $1,204 -$414 -25.6%
Indiana $1,218 -$400 -24.7%
Iowa $1,088 -$530 -32.8%
Kansas $1,536 -$82 -5.1%
Kentucky $2,204 $586 36.2%
Louisiana $2,394 $776 48.0%
Maine $996 -$622 -38.4%
Maryland $1,332 -$286 -17.7%
Massachusetts $1,288 -$330 -20.4%
Michigan $2,804 $1,186 73.3%
Minnesota $1,354 -$264 -16.3%
Mississippi $1,936 $318 19.7%
Missouri $1,434 -$184 -11.4%
Montana $1,734 $116 7.2%
Nebraska $1,274 -$344 -21.3%
Nevada $1,938 $320 19.8%
New Hampshire $1,164 -$454 -28.1%
New Jersey $1,806 $188 11.6%
New Mexico $1,430 -$188 -11.6%
New York $1,702 $84 5.2%
North Carolina $930 -$688 -42.5%
North Dakota $1,324 -$294 -18.2%
Ohio $1,114 -$504 -31.1%
Oklahoma $1,658 $40 2.5%
Oregon $1,482 -$136 -8.4%
Pennsylvania $1,538 -$80 -4.9%
Rhode Island $2,154 $536 33.1%
South Carolina $1,466 -$152 -9.4%
South Dakota $1,362 -$256 -15.8%
Tennessee $1,412 -$206 -12.7%
Texas $1,948 $330 20.4%
Utah $1,196 -$422 -26.1%
Vermont $1,104 -$514 -31.8%
Virginia $968 -$650 -40.2%
Washington $1,246 -$372 -23.0%
West Virginia $1,482 -$136 -8.4%
Wisconsin $1,116 -$502 -31.0%
Wyoming $1,440 -$178 -11.0%

View Chart as Image

Cadillac STS V6 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Cadillac STS V6 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,690
20 $3,722
30 $1,710
40 $1,618
50 $1,472
60 $1,446

Full coverage, $500 deductibles

Rates by Deductible

Cadillac STS V6 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,134
$250 $1,894
$500 $1,618
$1,000 $1,352

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS V6 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,618
50/100 $1,680
100/300 $1,758
250/500 $1,959
100 CSL $1,711
300 CSL $1,882
500 CSL $2,006

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac STS V6 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,190
20 $5,912
30 $3,600
40 $3,494
50 $3,328
60 $3,298

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $228

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $89
Multi-vehicle $82
Homeowner $21
5-yr Accident Free $130
5-yr Claim Free $106
Paid in Full/EFT $83
Advance Quote $85
Online Quote $119
Total Discounts $715
Rate after discounts $903

Discounts are estimated and may not be available from every company or in every state.

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