Cadillac STS Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 11, 2024
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Average auto insurance rates for a Cadillac STS are $1,060 annually for full coverage insurance. Comprehensive insurance costs on average $214 each year, collision costs $308, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,280 or more. Teen drivers receive the highest rates at $4,066 a year or more.
Average premium for full coverage: $1,060
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and STS models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $446 for just liability insurance to a high rate of $2,280 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how geographic area affects car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price 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.
More Rate Details
The chart below illustrates estimated Cadillac STS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $627
- Choosing higher $1,000 deductibles can save around $120 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,060
- Choosing low deductibles for comp and collision coverage costs an additional $228 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,280 or more
- The cost with full coverage for a 16-year-old driver may cost $4,066 each year
Car insurance rates for a Cadillac STS can also vary considerably based on the trim level of your STS, your risk profile, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $350 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live 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 Vermont, Wisconsin, and North Carolina, or as much as $1,430 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheaper Cadillac STS Insurance
Saving money on insurance for a Cadillac STS takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a condensed summary of the ideas that were presented in the illustrations above.
- Drivers under the age of 20 are expensive to insure, costing up to $339 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,220 more each year to insure a Cadillac STS
- Increasing deductibles could save up to $350 each year
- It is possible to save as much as $120 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,288 |
| $250 | $1,184 |
| $500 | $1,060 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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