Cadillac STS Insurance Rates

Estimated auto insurance rates for a Cadillac STS are $1,060 annually for full coverage. Comprehensive costs around $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 pay the most at $4,066 a year or more.

Average premium for full coverage: $1,060

Premium estimates for type of coverage:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows estimated Cadillac STS insurance rates for additional coverage choices and driver risks.

• The best discount rate is $627
• Using higher $1,000 deductibles will save about $940 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,060
• Using low $100 deductibles for physical damage coverage will cost $1,288
• High-risk insureds who are prone to accidents and violations could pay at least $2,280 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,066 or more

View Chart as Image

Auto insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,300 to $1,800 in extra premium annually, 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

Using high physical damage deductibles could cut prices by as much as $350 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see prices as low as $700 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,510 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Buy Cheap Cadillac STS Insurance

Finding better rates on insurance for a Cadillac STS requires being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a brief summary of the information touched on above.

• Drivers can save up to $120 per year simply by quoting early and online
• Teen drivers are expensive to insure, as much as $339 per month if full coverage is included
• Increasing policy deductibles could save up to $350 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,220 more every year to insure their STS
• Insureds who may need more liability coverage will pay an extra $440 each year to increase from 30/60 bodily injury limits to higher 250/500 limits