Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,106 a year with full coverage. Comprehensive costs an estimated $228, collision costs $340, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $2,380. Teenage drivers pay the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different STS trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $650
• Raising to $1,000 deductibles will save approximately $130 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,106
• Using more expensive low deductibles bumps up the cost to $1,354
• Drivers who are prone to accidents and violations could pay up to $2,380 or more
• The price that insures a 16-year-old driver with full coverage can cost as much as $4,210

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Insurance prices for a Cadillac STS are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,300 to $1,800 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,200 a year. View Rates by Age

The state you live in also has a big influence on Cadillac STS insurance prices. A middle-age driver might find prices as low as $800 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,490 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can reduce prices by up to $380 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices may be quite 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 the Best Cheap Cadillac STS Insurance

Getting lower rates on insurance for a Cadillac STS consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least every other year by getting quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the car insurance concepts covered above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,270 more annually for auto insurance
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $375 each year
• Insureds who want higher levels of liability will pay an extra $440 every year to raise from a low limit to the 250/500 level