Cadillac STS Insurance Rates
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UPDATED: May 11, 2024
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Estimated insurance rates for a Cadillac STS are $1,158 a year with full coverage. Comprehensive insurance costs on average $244 a year, collision insurance costs $372, and liability insurance costs $406. A liability-only policy costs as little as $450 a year, and high-risk insurance costs $2,492 or more. Teenage drivers pay the most at up to $4,376 a year.
Average premium for full coverage: $1,158
Premium estimates by type of coverage:
Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and STS trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Cadillac STS range from as low as $450 for the bare minimum liability coverage to a high of $2,492 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location and risk profile, rather than relying on 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 details average 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 $1,018 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,158
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $268 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $2,492
- An auto insurance policy for full coverage for a teen driver may cost $4,376 a year
Auto insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,300 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,560 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $410 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $366 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
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 Find the Cheapest Cadillac STS Insurance
Finding better rates on Cadillac STS insurance not only requires being a good driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following list is a recap of the data that was presented in the illustrations above.
- You may be able to save as much as $140 per year just by quoting early and online
- Drivers who require an increased level of liability coverage will pay an extra $450 every year to go from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 are charged the highest prices, possibly costing $365 per month if they have full coverage
- High-risk drivers that have major violations or accidents may be required to pay an average of $1,330 more each year than a safer driver
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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