Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,106 a year with full coverage. Comprehensive insurance costs approximately $228 a year, collision costs $340, and liability coverage costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers costing $2,380 or more. Teens pay the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and STS trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Information

The chart below details estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $650
• Drivers who choose higher $1,000 deductibles will pay $976 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,106
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $248 each year
• High-risk insureds with serious driving violations could pay around $2,380 or more
• The price for full coverage for a teenage driver can cost $4,210 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

The state you live in makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,490 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $380 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every company calculates prices differently, so the 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 More Affordable Cadillac STS Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a summary of the information touched on in the above illustrations.

• You may be able to save around $130 per year simply by quoting early and online
• Drivers under the age of 20 are expensive to insure, costing up to $351 a month for full coverage
• Increasing physical damage deductibles can save around $375 each year
• Drivers who have multiple accidents or major violations pay on average $1,270 more per year to insure a Cadillac STS
• Consumers who purchase increased liability limits will pay approximately $440 every year to go from a low limit to 250/500 limits