Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year including full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $308, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,280 or more. Teens cost the most to insure at $4,066 a year or more.

Average premium for full coverage: $1,060

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. 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. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $627
• Choosing higher $1,000 deductibles can save approximately $120 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,060
• Selecting low deductibles for comp and collision coverage will cost an additional $228 every year
• Unlucky drivers with serious driving violations could pay up to $2,280 or more
• Policy cost that insures a teen driver can cost as much as $4,066 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,300 to $1,800 in extra premium 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 a good driving record 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 have to pay at least $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 $810 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,510 on average in Louisiana, 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 increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates 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 Low Cost Cadillac STS Insurance

Finding cheaper rates on car insurance takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a review of the data touched on in the above illustrations.

• Policyholders who want an increased level of liability coverage will pay approximately $440 per year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save approximately $120 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $339 each month if the policy includes full coverage