Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive insurance costs an estimated $214, collision costs $308, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,280 or more. 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:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different STS trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.

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

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $627
• Choosing higher $1,000 deductibles can save approximately $120 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,060
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $228 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,280 or more
• The price for full coverage for a teenage driver with full coverage can cost as much as $4,066 each year

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

An older driver with a good driving record and high deductibles may only pay around $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,430 on average in Florida, New York, and Michigan.

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Choosing high deductibles can save as much as $350 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,300 to $1,800 in extra premium each year, depending on your age. High-risk driver insurance ranges around 44% to 137% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices may be quite different from one company to the next.

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 Affordable Cadillac STS Insurance

Getting lower rates on auto insurance takes having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions pay on average $1,220 more annually than a driver with a clean driving record
• It is possible to save approximately $120 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $350 each year
• Consumers who want additional liability coverage will pay about $440 annually to raise limits from a low limit to 250/500 limits