Cadillac STS Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 11, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Cadillac STS are $1,060 a year with full coverage. Comprehensive insurance costs an estimated $214 a year, collision insurance costs $308, and liability insurance is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs $2,280 or more. 16-year-old drivers pay the most at up to $4,066 a year.

Average premium for full coverage: $1,060

Premium estimates broken down by type of coverage:

Comprehensive $214
Collision $308
Liability $402

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and STS trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Cadillac STS range from as low as $446 for the bare minimum liability coverage to a high of $2,280 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The diagram below illustrates how location helps determine insurance prices.

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

These rate differences demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on rate averages.

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.

Additional Rate Information

The chart below details average Cadillac STS insurance rates for other coverage scenarios.

  • The best full coverage rate is $627
  • Choosing higher $1,000 deductibles can save approximately $940 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,060
  • Buying low $100 deductibles for comp and collision coverage will cost an extra $228 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,280
  • An auto insurance policy for full coverage for a teen driver can cost as much as $4,066 each year

View Chart as Image

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

Car insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Utah, Ohio, and New Hampshire, or at least $1,430 on average in New York, Michigan, and Florida.

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

Opting for high physical damage deductibles can save as much as $350 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates

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 Best Cadillac STS Insurance

Finding better rates on Cadillac STS insurance takes being a low-risk driver, having above-average credit, being claim-free, and possibly higher deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the primary concepts that were covered in the charts and tables above.

  • You may be able to save approximately $120 per year just by quoting early and online
  • High-risk drivers who tend to receive serious violations may pay on average $1,220 more annually to insure their STS
  • Increasing policy deductibles can save around $350 each year
  • Teen drivers have the highest car insurance prices, possibly costing $339 per month if full coverage is included

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles