Cadillac STS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Cadillac STS are $946 a year for full coverage insurance. Comprehensive insurance costs on average $184, collision insurance costs $246, and liability costs $380. A policy with only liability insurance costs as little as $428 a year, and a high-risk policy costs $2,022 or more. Teenage drivers pay the most at up to $3,670 a year.

Average premium for full coverage: $946

Premium estimates by type of coverage:

Comprehensive $184
Collision $246
Liability $380

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

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Cadillac STS range from the low end price of $428 for the bare minimum liability coverage to the much higher price of $2,022 for a high-risk insurance policy.

Liability Only $428
Full Coverage $946
High Risk $2,022

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location helps determine car insurance rates.

Rural Areas $710
Small Cities $993
Large Cities $1,277

These rate differences illustrate why everyone should compare rates based on a specific location, instead of making a decision based 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 illustrates average Cadillac STS insurance rates for different risk profiles and scenarios.

  • The best discount rate is $569
  • Drivers who choose higher $1,000 deductibles will pay around $98 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $946
  • Using pricier low deductibles for comprehensive and collision insurance will cost an additional $186 annually
  • Drivers who are prone to accidents and violations could pay upwards of $2,022
  • An auto insurance policy that insures a 16-year-old driver for full coverage may cost $3,670 a year

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing Cadillac STS insurance prices range from $569 to $3,670 for full coverage

Car insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. Cadillac STS insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,600 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac STS insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,280 on average in Michigan, New York, and Florida.

Cadillac STS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $854 -$92 -9.7%
Alaska $724 -$222 -23.5%
Arizona $784 -$162 -17.1%
Arkansas $946 -$0 0.0%
California $1,076 $130 13.7%
Colorado $900 -$46 -4.9%
Connecticut $968 $22 2.3%
Delaware $1,068 $122 12.9%
Florida $1,178 $232 24.5%
Georgia $872 -$74 -7.8%
Hawaii $678 -$268 -28.3%
Idaho $640 -$306 -32.3%
Illinois $702 -$244 -25.8%
Indiana $712 -$234 -24.7%
Iowa $636 -$310 -32.8%
Kansas $896 -$50 -5.3%
Kentucky $1,286 $340 35.9%
Louisiana $1,398 $452 47.8%
Maine $584 -$362 -38.3%
Maryland $780 -$166 -17.5%
Massachusetts $752 -$194 -20.5%
Michigan $1,640 $694 73.4%
Minnesota $792 -$154 -16.3%
Mississippi $1,130 $184 19.5%
Missouri $840 -$106 -11.2%
Montana $1,014 $68 7.2%
Nebraska $744 -$202 -21.4%
Nevada $1,132 $186 19.7%
New Hampshire $680 -$266 -28.1%
New Jersey $1,056 $110 11.6%
New Mexico $834 -$112 -11.8%
New York $994 $48 5.1%
North Carolina $544 -$402 -42.5%
North Dakota $772 -$174 -18.4%
Ohio $650 -$296 -31.3%
Oklahoma $968 $22 2.3%
Oregon $864 -$82 -8.7%
Pennsylvania $900 -$46 -4.9%
Rhode Island $1,260 $314 33.2%
South Carolina $856 -$90 -9.5%
South Dakota $798 -$148 -15.6%
Tennessee $824 -$122 -12.9%
Texas $1,140 $194 20.5%
Utah $700 -$246 -26.0%
Vermont $646 -$300 -31.7%
Virginia $566 -$380 -40.2%
Washington $730 -$216 -22.8%
West Virginia $866 -$80 -8.5%
Wisconsin $652 -$294 -31.1%
Wyoming $840 -$106 -11.2%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Using high physical damage deductibles could save up to $290 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $342 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Cadillac STS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac STS V6 4-Dr Sedan $914 $76
Cadillac STS V6 AWD 4-Dr Sedan $914 $76
Cadillac STS V6 4-Dr Sedan $930 $78
Cadillac STS V6 AWD 4-Dr Sedan $930 $78
Cadillac STS V6 4-Dr Sedan $946 $79
Cadillac STS V6 AWD 4-Dr Sedan $946 $79
Cadillac STS V8 4-Dr Sedan $946 $79
Cadillac STS V8 4-Dr Sedan $946 $79
Cadillac STS V8 AWD 4-Dr Sedan $946 $79
Cadillac STS V8 4-Dr Sedan $976 $81
Cadillac STS V8 AWD 4-Dr Sedan $992 $83

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.

Cadillac STS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Cheaper Cadillac STS Insurance

Finding better rates on insurance for a Cadillac STS not only requires avoiding accidents and violations, but also having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices at least every other year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,080 more each year for car insurance
  • It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $275 each year
  • Insureds who require higher liability limits will pay an extra $420 annually to go from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Cadillac STS Insurance Rates by Driver Age
Driver Age Premium
16 $3,670
20 $2,146
30 $968
40 $946
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,132
$250 $1,046
$500 $946
$1,000 $848

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $946
50/100 $1,068
100/300 $1,163
250/500 $1,410
100 CSL $1,106
300 CSL $1,315
500 CSL $1,467

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac STS Insurance Rates for High Risk Drivers
Age Premium
16 $5,188
20 $3,414
30 $2,050
40 $2,022
50 $1,930
60 $1,910

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.

SR-22 Surcharge $126

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $59
Paid in Full/EFT $37
Advance Quote $42
Online Quote $65
Total Discounts $377
Rate after discounts $569

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles