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 insurance prices for a Cadillac STS are $1,060 every 12 months for full coverage. Comprehensive costs on average $214, collision insurance costs $308, and liability is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs around $2,280. Teen drivers receive the highest rates at up to $4,066 a year.
Average premium for full coverage: $1,060
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all STS models.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $446 for basic liability insurance to the much higher price of $2,280 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.
These examples show why everyone should compare rates quotes based on a specific location and their own driving history, instead of using 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.
Rate Comparisons
The chart below shows average Cadillac STS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $627
- Raising to $1,000 deductibles will save around $120 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,060
- Choosing pricier low deductibles increases the price to $1,288
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,280
- The cost to insure a teen driver for full coverage may cost $4,066
Car insurance rates for a Cadillac STS can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your STS.
Choosing high deductibles can reduce rates by up to $350 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Cadillac STS insurance for high-risk drivers is expensive and can cost as much as 44% to 137% more than average. View High Risk Driver Rates
Where you live also has a big influence on Cadillac STS insurance prices. A middle-age driver might find rates as low as $700 a year in states like Idaho, Maine, and Iowa, or as much as $1,510 on average in Michigan, Louisiana, and New York.
| 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% |
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 Shop for the Cheapest Cadillac STS Insurance
Saving money on car insurance consists of avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a recap of the primary concepts that were covered in the above illustrations.
- Drivers can save as much as $120 per year just by quoting online well ahead of the renewal date
- Higher risk drivers that have major violations or accidents pay an average of $1,220 more each year for car insurance
- Increasing deductibles could save as much as $350 each year
- Teenagers are expensive to insure, costing as high as $339 per month if the policy includes full coverage
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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