Cadillac STS V8 4-Dr Sedan Insurance Rates

The average insurance rates for a Cadillac STS V8 4-Dr Sedan are $1,708 a year with full coverage. Comprehensive insurance costs an estimated $438, collision costs $824, and liability costs around $310. Liability-only insurance costs as low as $370 a year, with high-risk driver insurance costing $3,696 or more. Teen drivers cost the most to insure at $5,978 a year or more.

Annual premium for full coverage: $1,708

Policy rates broken down by type of coverage:

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

Price Range for Insurance for this Cadillac STS Trim Level

These price differences demonstrate why everyone should compare prices for a targeted area, instead of using price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Cadillac STS V8 4-Dr Sedan also range considerably based on the replacement cost of your STS, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $2,000 to $2,700 in extra premium every year, depending on your age. Cadillac STS V8 4-Dr Sedan insurance for high-risk drivers can be as much as 45% to 131% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,900 a year. View Rates by Age

Your home state has a huge impact on Cadillac STS V8 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $850 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 extra every year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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The chart above shows Cadillac STS V8 4-Dr Sedan insurance prices for different risks and coverage choices. The best price after discounts is $949. Drivers who choose higher $1,000 deductibles will pay $1,422. The average price for a driver around age 40 using $500 deductibles is $1,708. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,266. High risk drivers could be charged around $3,696. The rate for full coverage for a teenage driver can be as high as $5,978.

View Chart as Image