Cadillac STS Insurance Rates

Average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs an estimated $214 a year, collision costs $308, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,280. Teenage drivers receive the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Rate estimates broken down by individual coverage type:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and STS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples illustrate why it is important to compare prices 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 Charts and Tables

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

• The best discount rate is $627
• Using higher $1,000 deductibles will save approximately $940 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,060
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,288
• High-risk insureds who are prone to accidents and violations could pay up to $2,280 or more
• The cost that insures a 16-year-old driver can cost as much as $4,066 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying $1,300 to $1,800 extra per year, depending on your age. A high-risk auto insurance policy can be 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 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,000 a year. View Rates by Age

Where you live has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $350 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so the rates can be significantly 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 More Affordable Cadillac STS Insurance

Saving money on insurance for a Cadillac STS requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a summary of the material that was covered in the above illustrations.

• Insureds who want higher liability limits will pay an extra $440 annually to increase from a minimum limit to the 250/500 level
• Teens are charged the highest rates, costing up to $339 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,220 more annually for STS insurance
• Increasing deductibles can save approximately $350 each year