Cadillac STS Insurance Rates
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UPDATED: May 11, 2022
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The average insurance rates for a Cadillac STS are $978 a year with full coverage. Comprehensive insurance costs approximately $200, collision costs $258, and liability costs around $384. Liability-only insurance costs as low as $432 a year, with high-risk driver insurance costing $2,090 or more. Teenage drivers cost the most to insure at $3,760 a year or more.
Average premium for full coverage: $978
Policy rates by type of insurance:
Includes $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different STS trim levels.
Price Range Variability
For the average 40-year-old driver, Cadillac STS insurance rates go from the low end price of $432 for just the minimum liability insurance to a much higher rate of $2,090 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.
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 Analysis
The chart below details estimated Cadillac STS insurance rates for additional coverage and risk scenarios.
- The best discount rate is $587
- Using higher $1,000 deductibles will save $104 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $978
- Using more expensive low deductibles for physical damage coverage will cost an additional $198 every year
- Drivers who are prone to accidents and violations could pay around $2,090 or more
- Policy cost that insures a teen driver with full coverage can cost $3,760 or more
Auto insurance rates for a Cadillac STS also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 125% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,700 a year. View Rates by Age
Your home state has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,320 on average in New York, Michigan, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Using high physical damage deductibles could cut rates by as much as $310 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.
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 Find the Cheapest Cadillac STS Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.
The following is a recap of the car insurance concepts touched on in this article.
- Higher risk drivers that have major violations or accidents may have to pay on average $1,110 more per year for STS insurance
- You may be able to save around $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $300 each year
- Policyholders who purchase higher liability limits will pay an extra $420 every year to increase from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$63|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.
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