Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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U.S. average insurance prices for a Cadillac STS are $1,060 every 12 months including full coverage. Comprehensive costs an estimated $214, collision costs $308, and liability coverage is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $2,280. Teen drivers pay the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $308
Liability $402

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

Price Range from Low to High

For a 40-year-old driver, Cadillac STS insurance prices go from the cheapest price of $446 for the bare minimum liability coverage to a much higher rate of $2,280 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,060
High Risk $2,280

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

Rural Areas $795
Small Cities $1,113
Large Cities $1,431

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using price averages.

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 Rate Information

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

  • The lowest rate with discounts is $627
  • Raising to $1,000 deductibles will save approximately $120 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,060
  • Choosing more expensive low deductibles increases the price to $1,288
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,280 or more
  • The price to insure a teenage driver with full coverage can cost as much as $4,066

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance rates range from $627 to $4,066

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.

Choosing high deductibles can reduce prices by up to $350 a year, while increasing your policy's 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 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,000 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 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 137% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Cadillac STS insurance rates. A middle-age driver might find prices as low as $810 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,510 on average in Louisiana, New York, and Michigan.

Cadillac STS Insurance Rates by State
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%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Cadillac STS Insurance Rates by Model and Trim Level
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.

Cadillac STS Insurance Rates by Model Year
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 Shop for Low Cost Cadillac STS Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having good credit, being claim-free, and taking advantage of discounts. Invest the time to shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a review of the ideas that were illustrated above.

  • Youthful drivers are charged the highest prices, possibly costing $339 a month if they have full coverage
  • Drivers who have several accidents or serious violations may have to pay on average $1,220 more annually than a low-risk driver
  • Increasing physical damage deductibles could save as much as $350 each year
  • You may be able to save approximately $120 per year simply by shopping early and online

Rates by Driver Age

Cadillac STS Insurance 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

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,184
$500 $1,060
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
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

Cadillac STS Insurance 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.

SR-22 Surcharge $143

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
Rate after discounts $627

Discounts are estimated and may not be available from every company or in every state.

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