Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,106 a year including full coverage. Comprehensive costs an estimated $228 each year, collision costs $340, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,380. Teen drivers cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and STS models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down estimated Cadillac STS insurance rates for other coverage scenarios.

• The lowest rate with discounts is $650
• Choosing higher $1,000 deductibles can save approximately $130 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,106
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,354
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,380 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,210 each year

View Chart as Image

Insurance rates for a Cadillac STS also range considerably based on your risk profile, the model of your STS, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $380 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Cadillac STS Insurance

Finding cheaper rates on insurance for a Cadillac STS takes being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every other 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 items below are a summary of the ideas that were touched on in the above illustrations.

• Teen drivers are expensive to insure, with premiums being up to $351 each month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,270 more annually to insure their STS
• Increasing comprehensive and collision deductibles can save around $375 each year
• You may be able to save approximately $130 per year simply by quoting online in advance