Cadillac STS Insurance Rates

U.S. average insurance prices for a Cadillac STS are $1,106 every 12 months including full coverage. Comprehensive insurance costs an estimated $228 a year, collision insurance costs $340, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,380 or more. Teenage drivers pay the highest rates at up to $4,210 a year.

Average premium for full coverage: $1,106

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and STS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area and their own driving history, rather than using 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 other coverage scenarios.

• The best discount rate is $650
• Using higher $1,000 deductibles will save approximately $976 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,106
• Using low $100 deductibles for physical damage coverage costs an extra $248 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,380
• The price to insure a teenage driver can cost as much as $4,210 or more

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Auto insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $380 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,300 to $1,800 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,580 on average in Louisiana, New York, and Michigan.

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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 Shop for Cheap Cadillac STS Insurance

Getting lower rates on auto insurance requires being a good driver, having a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the material that was covered in the charts and tables above.

• Consumers who want an increased level of liability coverage will pay an extra $440 per year to increase from a low limit to a 250/500 level
• Drivers age 16 to 20 are the costliest to insure, possibly costing $351 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations may have to pay on average $1,270 more annually than a safer driver
• Increasing physical damage deductibles could save as much as $375 each year