Cadillac STS Insurance Rates
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Michelle Robbins
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UPDATED: May 11, 2024
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The average insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive insurance costs an estimated $214, collision costs $308, and liability is $402. Liability-only insurance costs around $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:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all STS models.
Price Range Variability
For an average driver, Cadillac STS insurance rates go from as low as $446 for liability-only coverage to the much higher price of $2,280 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on insurance prices.
The examples above show why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.
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.
Additional Charts and Tables
The chart below shows estimated Cadillac STS insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $627
- Raising to $1,000 deductibles will save approximately $120 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,060
- Selecting pricier low deductibles will cost an extra $228 annually
- Drivers with serious driving violations could pay up to $2,280 or more
- Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $4,066
Auto insurance rates for a Cadillac STS also range considerably based on your risk profile, the trim level of your STS, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age
Your home state 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 Iowa, Maine, and Idaho, or have to pay at least $1,510 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying $1,300 to $1,800 in extra premium every year, depending on your age. Cadillac STS insurance for high-risk drivers is expensive and can cost from 44% to 137% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates will be varied from one company to the next.
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 Find the Best Cheap Cadillac STS Insurance
Finding cheaper rates on insurance for a Cadillac STS consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a quick review of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,220 more annually to insure a Cadillac STS
- Drivers under the age of 20 are the costliest to insure, costing up to $339 each month if they have full coverage
- Drivers can save approximately $120 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $350 each year
- Drivers can save approximately $120 per year simply by quoting online well ahead of the renewal date
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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