Cadillac STS Insurance Rates
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UPDATED: May 11, 2024
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Average insurance prices for a Cadillac STS are $1,158 every 12 months including full coverage. Comprehensive insurance costs on average $244, collision costs $372, and liability coverage costs $406. Buying just liability costs as little as $450 a year, with insurance for high-risk drivers costing $2,492 or more. Teenage drivers receive the highest rates at $4,376 a year or more.
Average premium for full coverage: $1,158
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different STS trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $450 for the bare minimum liability coverage to a much higher rate of $2,492 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities.
The price range example below illustrates how where you live affects car insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than 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 Information
The chart below breaks down estimated Cadillac STS insurance rates for different risk profiles and scenarios.
- The best discount rate is $678
- Drivers who choose higher $1,000 deductibles will pay around $140 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,158
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $268 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,492 or more
- The cost to insure a teenage driver with full coverage may cost $4,376 a year
Auto insurance rates for a Cadillac STS can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your STS.
Using high physical damage deductibles could save up to $410 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $366 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,650 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,044 | -$114 | -9.8% |
Alaska | $888 | -$270 | -23.3% |
Arizona | $958 | -$200 | -17.3% |
Arkansas | $1,158 | -$0 | 0.0% |
California | $1,318 | $160 | 13.8% |
Colorado | $1,102 | -$56 | -4.8% |
Connecticut | $1,186 | $28 | 2.4% |
Delaware | $1,308 | $150 | 13.0% |
Florida | $1,444 | $286 | 24.7% |
Georgia | $1,070 | -$88 | -7.6% |
Hawaii | $832 | -$326 | -28.2% |
Idaho | $784 | -$374 | -32.3% |
Illinois | $860 | -$298 | -25.7% |
Indiana | $872 | -$286 | -24.7% |
Iowa | $778 | -$380 | -32.8% |
Kansas | $1,098 | -$60 | -5.2% |
Kentucky | $1,576 | $418 | 36.1% |
Louisiana | $1,712 | $554 | 47.8% |
Maine | $714 | -$444 | -38.3% |
Maryland | $954 | -$204 | -17.6% |
Massachusetts | $920 | -$238 | -20.6% |
Michigan | $2,008 | $850 | 73.4% |
Minnesota | $968 | -$190 | -16.4% |
Mississippi | $1,384 | $226 | 19.5% |
Missouri | $1,026 | -$132 | -11.4% |
Montana | $1,242 | $84 | 7.3% |
Nebraska | $910 | -$248 | -21.4% |
Nevada | $1,386 | $228 | 19.7% |
New Hampshire | $834 | -$324 | -28.0% |
New Jersey | $1,292 | $134 | 11.6% |
New Mexico | $1,022 | -$136 | -11.7% |
New York | $1,218 | $60 | 5.2% |
North Carolina | $666 | -$492 | -42.5% |
North Dakota | $948 | -$210 | -18.1% |
Ohio | $796 | -$362 | -31.3% |
Oklahoma | $1,186 | $28 | 2.4% |
Oregon | $1,060 | -$98 | -8.5% |
Pennsylvania | $1,100 | -$58 | -5.0% |
Rhode Island | $1,544 | $386 | 33.3% |
South Carolina | $1,048 | -$110 | -9.5% |
South Dakota | $976 | -$182 | -15.7% |
Tennessee | $1,014 | -$144 | -12.4% |
Texas | $1,394 | $236 | 20.4% |
Utah | $854 | -$304 | -26.3% |
Vermont | $790 | -$368 | -31.8% |
Virginia | $692 | -$466 | -40.2% |
Washington | $892 | -$266 | -23.0% |
West Virginia | $1,060 | -$98 | -8.5% |
Wisconsin | $798 | -$360 | -31.1% |
Wyoming | $1,030 | -$128 | -11.1% |
With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Cadillac STS V6 4-Dr Sedan | $1,112 | $93 |
Cadillac STS V6 AWD 4-Dr Sedan | $1,112 | $93 |
Cadillac STS V6 4-Dr Sedan | $1,136 | $95 |
Cadillac STS V6 AWD 4-Dr Sedan | $1,136 | $95 |
Cadillac STS V6 4-Dr Sedan | $1,158 | $97 |
Cadillac STS V6 AWD 4-Dr Sedan | $1,158 | $97 |
Cadillac STS V8 4-Dr Sedan | $1,158 | $97 |
Cadillac STS V8 4-Dr Sedan | $1,158 | $97 |
Cadillac STS V8 AWD 4-Dr Sedan | $1,158 | $97 |
Cadillac STS V8 4-Dr Sedan | $1,202 | $100 |
Cadillac STS V8 AWD 4-Dr Sedan | $1,224 | $102 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2011 Cadillac STS | $244 | $372 | $406 | $1,158 |
2010 Cadillac STS | $228 | $340 | $402 | $1,106 |
2008 Cadillac STS | $208 | $278 | $398 | $1,020 |
2007 Cadillac STS | $204 | $270 | $390 | $1,000 |
2006 Cadillac STS | $200 | $258 | $384 | $978 |
2005 Cadillac STS | $184 | $246 | $380 | $946 |
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 Cadillac STS Insurance
Saving money on auto insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the data touched on in the above illustrations.
- Consumers who require an increased level of liability coverage will pay an extra $450 per year to go from a minimum limit to a 250/500 level
- You may be able to save as much as $140 per year simply by shopping early and online
- Increasing deductibles could save as much as $400 each year
- Drivers age 16 to 20 are charged the highest rates, as much as $365 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,376 |
20 | $2,640 |
30 | $1,198 |
40 | $1,158 |
50 | $1,060 |
60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,426 |
$250 | $1,302 |
$500 | $1,158 |
$1,000 | $1,018 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,158 |
50/100 | $1,305 |
100/300 | $1,407 |
250/500 | $1,671 |
100 CSL | $1,346 |
300 CSL | $1,569 |
500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,224 |
20 | $4,204 |
30 | $2,538 |
40 | $2,492 |
50 | $2,376 |
60 | $2,352 |
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 | $61 |
Multi-vehicle | $61 |
Homeowner | $18 |
5-yr Accident Free | $80 |
5-yr Claim Free | $74 |
Paid in Full/EFT | $49 |
Advance Quote | $55 |
Online Quote | $82 |
Total Discounts | $480 |
Discounts are estimated and may not be available from every company or in every state.
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