Cadillac STS Insurance Rates

The average insurance prices for a Cadillac STS are $1,060 every 12 months including full coverage. Comprehensive insurance costs approximately $214, collision costs $308, and liability coverage is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $2,280 or more. Teenage drivers cost the most to insure at $4,066 a year or more.

Average premium for full coverage: $1,060

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $627
• Choosing higher $1,000 deductibles can save $120 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,060
• Using more expensive low deductibles for comp and collision coverage costs an extra $228 each year
• Drivers who are prone to accidents and violations could pay around $2,280 or more
• Policy cost to insure a teenage driver with full coverage can cost $4,066 each year

View Chart as Image

Insurance rates for a Cadillac STS also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your STS.

Using high physical damage deductibles can save as much as $350 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 137% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,510 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Right Cadillac STS Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a quick rundown of the data covered above.

• Consumers who purchase higher liability limits will pay an extra $440 per year to raise limits from a 30/60 limit to a 250/500 level
• You may be able to save around $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Teenagers are expensive to insure, with premiums being up to $339 each month if they have full coverage