Cadillac STS Insurance Rates

Average insurance rates for a Cadillac STS are $1,106 a year for full coverage insurance. Comprehensive costs an estimated $228 a year, collision costs $340, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $2,380. Teen drivers receive the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical 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 have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

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 and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $650
• Using higher $1,000 deductibles will save approximately $976 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,106
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,354
• Drivers with multiple violations and an at-fault accident could pay up to $2,380 or more
• The cost for full coverage for a teen driver can cost as much as $4,210 or more

View Chart as Image

Auto insurance rates for a Cadillac STS can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,200 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 $720 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,490 on average in Florida, New York, and Michigan.

View Chart as Image

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

If you like to drive fast or tend to cause accidents, you are probably paying $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly 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 Cheap Cadillac STS Insurance

Saving money on car insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a brief summary of the ideas that were covered in the above illustrations.

• Teenagers are the costliest to insure, costing up to $351 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,270 more annually for car insurance
• Increasing deductibles can save around $375 each year
• It is possible to save approximately $130 per year simply by quoting early and online