Cadillac STS Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated insurance prices for a Cadillac STS are $978 every 12 months for full coverage. Comprehensive costs approximately $200 a year, collision costs $258, and liability is $384. A policy with only liability insurance costs around $432 a year, with a high-risk policy costing around $2,090. Teen drivers pay the most at $3,760 a year or more.
Average premium for full coverage: $978
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and STS trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac STS go from the cheapest price of $432 for the bare minimum liability coverage to a high of $2,090 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance prices.
These rate differences show why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows estimated Cadillac STS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $587
- Raising to $1,000 deductibles will save $874 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $978
- Choosing low $100 deductibles increases the price to $1,176
- Drivers with multiple violations and an at-fault accident could pay around $2,090 or more
- An auto insurance policy to insure a 16-year-old driver can cost $3,760
Car insurance prices for a Cadillac STS also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your STS.
Choosing high deductibles can reduce prices by up to $310 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 125% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Cadillac STS insurance prices. A middle-age driver might find prices as low as $650 a year in states like Iowa, Maine, and Idaho, or as much as $1,400 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $884 | -$94 | -9.6% |
| Alaska | $750 | -$228 | -23.3% |
| Arizona | $810 | -$168 | -17.2% |
| Arkansas | $978 | -$0 | 0.0% |
| California | $1,114 | $136 | 13.9% |
| Colorado | $932 | -$46 | -4.7% |
| Connecticut | $1,004 | $26 | 2.7% |
| Delaware | $1,104 | $126 | 12.9% |
| Florida | $1,220 | $242 | 24.7% |
| Georgia | $904 | -$74 | -7.6% |
| Hawaii | $704 | -$274 | -28.0% |
| Idaho | $662 | -$316 | -32.3% |
| Illinois | $728 | -$250 | -25.6% |
| Indiana | $738 | -$240 | -24.5% |
| Iowa | $660 | -$318 | -32.5% |
| Kansas | $928 | -$50 | -5.1% |
| Kentucky | $1,334 | $356 | 36.4% |
| Louisiana | $1,446 | $468 | 47.9% |
| Maine | $604 | -$374 | -38.2% |
| Maryland | $806 | -$172 | -17.6% |
| Massachusetts | $778 | -$200 | -20.4% |
| Michigan | $1,696 | $718 | 73.4% |
| Minnesota | $820 | -$158 | -16.2% |
| Mississippi | $1,172 | $194 | 19.8% |
| Missouri | $868 | -$110 | -11.2% |
| Montana | $1,050 | $72 | 7.4% |
| Nebraska | $770 | -$208 | -21.3% |
| Nevada | $1,172 | $194 | 19.8% |
| New Hampshire | $704 | -$274 | -28.0% |
| New Jersey | $1,092 | $114 | 11.7% |
| New Mexico | $864 | -$114 | -11.7% |
| New York | $1,030 | $52 | 5.3% |
| North Carolina | $562 | -$416 | -42.5% |
| North Dakota | $802 | -$176 | -18.0% |
| Ohio | $672 | -$306 | -31.3% |
| Oklahoma | $1,002 | $24 | 2.5% |
| Oregon | $896 | -$82 | -8.4% |
| Pennsylvania | $932 | -$46 | -4.7% |
| Rhode Island | $1,304 | $326 | 33.3% |
| South Carolina | $888 | -$90 | -9.2% |
| South Dakota | $826 | -$152 | -15.5% |
| Tennessee | $856 | -$122 | -12.5% |
| Texas | $1,178 | $200 | 20.4% |
| Utah | $722 | -$256 | -26.2% |
| Vermont | $668 | -$310 | -31.7% |
| Virginia | $584 | -$394 | -40.3% |
| Washington | $754 | -$224 | -22.9% |
| West Virginia | $896 | -$82 | -8.4% |
| Wisconsin | $674 | -$304 | -31.1% |
| Wyoming | $870 | -$108 | -11.0% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac STS V6 4-Dr Sedan | $946 | $79 |
| Cadillac STS V6 AWD 4-Dr Sedan | $946 | $79 |
| Cadillac STS V6 4-Dr Sedan | $962 | $80 |
| Cadillac STS V6 AWD 4-Dr Sedan | $962 | $80 |
| Cadillac STS V6 4-Dr Sedan | $978 | $82 |
| Cadillac STS V6 AWD 4-Dr Sedan | $978 | $82 |
| Cadillac STS V8 4-Dr Sedan | $978 | $82 |
| Cadillac STS V8 4-Dr Sedan | $978 | $82 |
| Cadillac STS V8 AWD 4-Dr Sedan | $978 | $82 |
| Cadillac STS V8 4-Dr Sedan | $1,012 | $84 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,028 | $86 |
Rates assume 2005 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2008 Cadillac STS | $214 | $308 | $402 | $1,060 |
| 2007 Cadillac STS | $208 | $278 | $398 | $1,020 |
| 2006 Cadillac STS | $204 | $270 | $390 | $1,000 |
| 2005 Cadillac STS | $200 | $258 | $384 | $978 |
Rates are averaged for all Cadillac STS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Cadillac STS Insurance
Finding better rates on insurance for a Cadillac STS consists of having a decent driving record, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every couple of years by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following items are a quick review of the material that was covered in the charts and tables above.
- Insureds who purchase additional liability coverage will pay about $420 each year to raise from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers pay the highest auto insurance prices, as much as $313 per month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,110 more per year than a driver with a clean driving record
- Increasing policy deductibles could save as much as $300 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,760 |
| 20 | $2,214 |
| 30 | $1,004 |
| 40 | $978 |
| 50 | $896 |
| 60 | $878 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,176 |
| $250 | $1,086 |
| $500 | $978 |
| $1,000 | $874 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $978 |
| 50/100 | $1,105 |
| 100/300 | $1,201 |
| 250/500 | $1,450 |
| 100 CSL | $1,143 |
| 300 CSL | $1,354 |
| 500 CSL | $1,508 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,324 |
| 20 | $3,518 |
| 30 | $2,120 |
| 40 | $2,090 |
| 50 | $1,992 |
| 60 | $1,972 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $51 |
| Homeowner | $16 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $38 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $391 |
Discounts are estimated and may not be available from every company or in every state.
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