Cadillac STS Insurance Rates

Estimated insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs approximately $214 a year, collision costs $308, and liability coverage is estimated at $402. A liability-only policy costs approximately $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 by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

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

These rate differences illustrate why it is important to get quotes using their specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $627
• Choosing higher $1,000 deductibles can save $940 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,060
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,288
• Drivers who are prone to accidents and violations could pay around $2,280 or more
• An auto insurance policy for full coverage for a teenage driver can cost $4,066 each year

View Chart as Image

Auto insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

Where you choose to live 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 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 can save as much as $350 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 137% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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 Cheaper Cadillac STS Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the data touched on in the above illustrations.

• Consumers who purchase higher liability limits will pay an extra $440 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• It is possible to save around $120 per year simply by quoting early and online
• Increasing policy deductibles can save around $350 each year
• Teenagers have the highest car insurance prices, with premiums being up to $339 per month if they have full coverage