Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs approximately $214 each year, collision costs $308, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,280. Teens 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and STS models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why all drivers should get quotes using their specific location, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $627
• Choosing higher $1,000 deductibles can save $120 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,060
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,288
• Unlucky drivers with serious driving violations could pay around $2,280 or more
• Policy cost that insures a teen driver can cost $4,066 each year

View Chart as Image

Car insurance rates for a Cadillac STS also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 Find the Best Cadillac STS Insurance

Finding cheaper rates on car insurance takes being a good driver, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a brief recap of the information covered in the above illustrations.

• It is possible to save around $120 per year simply by quoting online in advance
• Drivers age 16 to 20 pay the highest auto insurance rates, possibly costing $339 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Higher risk drivers who tend to receive serious violations could be charged and average of $1,220 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay approximately $440 annually to raise limits from a 30/60 limit to the 250/500 level