Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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U.S. average insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive insurance costs around $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. Teens pay the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Price estimates for individual coverage:

Comprehensive $214
Collision $308
Liability $402

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different STS trim levels.

Price Range from Low to High

For a 40-year-old driver, Cadillac STS insurance prices go from as low as $446 for just liability coverage to a much higher rate of $2,280 for a high-risk insurance policy.

Liability Only $446
Full Coverage $1,060
High Risk $2,280

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $795
Small Cities $1,113
Large Cities $1,431

The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below shows estimated Cadillac STS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $627
  • Choosing higher $1,000 deductibles can save about $120 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,060
  • Selecting more expensive low deductibles for comp and collision coverage will cost an extra $228 each year
  • Drivers with serious driving violations could pay at least $2,280 or more
  • The price for full coverage for a teenage driver with full coverage can be $4,066 each year

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance prices range from $627 to $4,066

Insurance prices for a Cadillac STS are also quite variable based on your driving record, the trim level of your STS, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,510 on average in Michigan, Louisiana, and New York.

Cadillac STS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $958 -$102 -9.6%
Alaska $812 -$248 -23.4%
Arizona $880 -$180 -17.0%
Arkansas $1,060 -$0 0.0%
California $1,208 $148 14.0%
Colorado $1,010 -$50 -4.7%
Connecticut $1,088 $28 2.6%
Delaware $1,196 $136 12.8%
Florida $1,324 $264 24.9%
Georgia $980 -$80 -7.5%
Hawaii $762 -$298 -28.1%
Idaho $716 -$344 -32.5%
Illinois $790 -$270 -25.5%
Indiana $800 -$260 -24.5%
Iowa $714 -$346 -32.6%
Kansas $1,006 -$54 -5.1%
Kentucky $1,444 $384 36.2%
Louisiana $1,568 $508 47.9%
Maine $654 -$406 -38.3%
Maryland $874 -$186 -17.5%
Massachusetts $844 -$216 -20.4%
Michigan $1,840 $780 73.6%
Minnesota $888 -$172 -16.2%
Mississippi $1,270 $210 19.8%
Missouri $940 -$120 -11.3%
Montana $1,138 $78 7.4%
Nebraska $834 -$226 -21.3%
Nevada $1,270 $210 19.8%
New Hampshire $764 -$296 -27.9%
New Jersey $1,184 $124 11.7%
New Mexico $938 -$122 -11.5%
New York $1,116 $56 5.3%
North Carolina $612 -$448 -42.3%
North Dakota $870 -$190 -17.9%
Ohio $730 -$330 -31.1%
Oklahoma $1,086 $26 2.5%
Oregon $970 -$90 -8.5%
Pennsylvania $1,010 -$50 -4.7%
Rhode Island $1,414 $354 33.4%
South Carolina $962 -$98 -9.2%
South Dakota $894 -$166 -15.7%
Tennessee $928 -$132 -12.5%
Texas $1,278 $218 20.6%
Utah $784 -$276 -26.0%
Vermont $722 -$338 -31.9%
Virginia $634 -$426 -40.2%
Washington $818 -$242 -22.8%
West Virginia $970 -$90 -8.5%
Wisconsin $732 -$328 -30.9%
Wyoming $942 -$118 -11.1%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional each year, depending on your age. High-risk driver insurance ranges around 44% to 137% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to compare prices and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Cadillac STS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac STS V6 4-Dr Sedan $1,022 $85
Cadillac STS V6 AWD 4-Dr Sedan $1,022 $85
Cadillac STS V6 4-Dr Sedan $1,042 $87
Cadillac STS V6 AWD 4-Dr Sedan $1,042 $87
Cadillac STS V6 4-Dr Sedan $1,060 $88
Cadillac STS V6 AWD 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,060 $88
Cadillac STS V8 AWD 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,098 $92
Cadillac STS V8 AWD 4-Dr Sedan $1,116 $93

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.

Cadillac STS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Cadillac STS $214 $308 $402 $1,060
2010 Cadillac STS $208 $278 $398 $1,020
2008 Cadillac STS $200 $258 $384 $978
2007 Cadillac STS $184 $246 $380 $946
2006 Cadillac STS $178 $232 $376 $922

Rates are averaged for all Cadillac STS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Cadillac STS Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The items below are a quick rundown of the car insurance concepts illustrated above.

  • Drivers with reckless driving or DUI convictions may be required to pay an average of $1,220 more every year to insure their STS
  • Drivers can save up to $120 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $350 each year
  • Consumers who may need more liability coverage will pay approximately $440 each year to raise limits from a low limit to 250/500 limits

Rates by Driver Age

Cadillac STS Insurance Rates by Driver Age
Driver Age Premium
16 $4,066
20 $2,416
30 $1,094
40 $1,060
50 $972
60 $952

Full coverage, $500 deductibles

Rates by Deductible

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,184
$500 $1,060
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,060
50/100 $1,196
100/300 $1,297
250/500 $1,558
100 CSL $1,237
300 CSL $1,458
500 CSL $1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac STS Insurance Rates for High Risk Drivers
Age Premium
16 $5,770
20 $3,846
30 $2,316
40 $2,280
50 $2,174
60 $2,154

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $56
Homeowner $17
5-yr Accident Free $71
5-yr Claim Free $68
Paid in Full/EFT $43
Advance Quote $49
Online Quote $74
Total Discounts $433
Rate after discounts $627

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

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