Cadillac STS Insurance Rates

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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: 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:

Comprehensive $244
Collision $372
Liability $406

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.

Liability Only $450
Full Coverage $1,158
High Risk $2,492

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.

Rural Areas $869
Small Cities $1,216
Large Cities $1,563

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

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance prices range from $678 to $4,376

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.

Cadillac STS Insurance Rates by State
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%

View Chart as Image

Cadillac STS insurance rates by U.S. city

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

Cadillac STS Insurance Rates by Model and Trim Level
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.

Cadillac STS Insurance Rates by Model Year
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

Rates by Driver Age

Cadillac STS Insurance 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

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,426
$250 $1,302
$500 $1,158
$1,000 $1,018

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
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

Cadillac STS Insurance 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.

SR-22 Surcharge $159

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
Rate after discounts $678

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

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