Cadillac STS Insurance Rates

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

Average premium for full coverage: $1,060

Premium estimates broken down by type of coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all STS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

These rate differences illustrate why everyone should compare rates for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $627
• Drivers who choose higher $1,000 deductibles will pay approximately $120 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,060
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $228 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,280 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost as much as $4,066 a year

View Chart as Image

Car insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,300 to $1,800 extra annually, depending on your age. Cadillac STS insurance for high-risk drivers can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $350 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

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 Affordable Cadillac STS Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief review of the concepts that were illustrated above.

• Drivers with DUI or reckless driving convictions may have to pay on average $1,220 more annually to insure their STS
• Teen drivers have the highest car insurance prices, with premiums being up to $339 per month if full coverage is purchased
• It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $350 each year
• It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date