Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year including full coverage. Comprehensive costs around $214 a year, collision insurance costs $308, and liability is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs around $2,280. Teenage drivers cost the most to insure at up to $4,066 a year.

Average premium for full coverage: $1,060

Policy rates for type of insurance:

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Cadillac STS insurance rates for additional coverage choices and driver risks.

• The best discount rate is $627
• Choosing higher $1,000 deductibles can save about $940 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,060
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,288
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,280
• Policy cost that insures a 16-year-old driver can be $4,066 each year

View Chart as Image

Insurance rates for a Cadillac STS also range considerably based on the trim level of your STS, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,510 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $350 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per 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 the Right Cadillac STS Insurance

Finding cheaper rates on insurance for a Cadillac STS takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices at every policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the data covered above.

• Insureds who may need increased liability limits will pay an extra $440 per year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save up to $120 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers under the age of 20 pay higher rates, with premiums being up to $339 each month if full coverage is included