Cadillac STS Insurance Rates

The average auto insurance rates for a Cadillac STS are $1,106 annually including full coverage. Comprehensive insurance costs an estimated $228, collision costs $340, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,380 or more. 16-year-old drivers cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. 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 significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down estimated Cadillac STS insurance rates for other coverage scenarios.

• The best full coverage rate is $650
• Choosing higher $1,000 deductibles can save approximately $130 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,106
• Buying more expensive low deductibles for comp and collision coverage costs an additional $248 a year
• High-risk insureds with multiple tickets or accidents could pay up to $2,380 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,210 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $380 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

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 $850 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.

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 Buy the Best Cadillac STS Insurance

Finding cheaper rates on Cadillac STS insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the data touched on above.

• Drivers who want an increased level of liability coverage will pay around $440 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $351 each month if they have full coverage