Cadillac STS Insurance Rates

Estimated insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs an estimated $214 a year, collision insurance costs $308, and liability insurance costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,280. Teenage drivers pay the most at up to $4,066 a year.

Average premium for full coverage: $1,060

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $627
• Using higher $1,000 deductibles will save approximately $940 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,060
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,288
• Drivers who are prone to accidents and violations could pay up to $2,280
• An auto insurance policy that insures a teen driver can cost as much as $4,066 or more

View Chart as Image

Insurance prices for a Cadillac STS also have a wide range based on the trim level 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 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Where you choose to live has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see prices 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 cut prices by as much as $350 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

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 More Affordable Cadillac STS Insurance

Finding better rates on Cadillac STS insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the data that was raised in the charts and tables above.

• It is possible to save approximately $120 per year just by quoting early and online
• Drivers who want an increased level of liability coverage will pay an extra $440 annually to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $339 per month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,220 more annually than a safer driver