Cadillac STS Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated auto insurance rates for a Cadillac STS are $946 annually including full coverage. Comprehensive insurance costs on average $184, collision costs $246, and liability coverage costs around $380. Liability-only insurance costs as low as $428 a year, with high-risk driver insurance costing $2,022 or more. Teens pay the most at $3,670 a year or more.
Average premium for full coverage: $946
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different STS trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac STS go from as cheap as $428 for liability-only coverage to a much higher rate of $2,022 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.
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 Charts and Tables
The chart below breaks down estimated Cadillac STS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $569
- Using higher $1,000 deductibles will save around $98 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $946
- Selecting more expensive low deductibles for physical damage coverage costs an additional $186 each year
- Higher-risk drivers with serious driving violations could pay upwards of $2,022 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage may cost $3,670 or more
Insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your driving characteristics, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 additional annually, depending on your age. High-risk driver insurance can be around 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $290 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $342 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,350 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Cheap Cadillac STS Insurance
Finding better rates on auto insurance requires being safe and accident-free, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from several local insurance agents.
Below you'll find a brief summary of the material that was covered above.
- Consumers who require more liability protection will pay approximately $420 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers pay higher prices, with the cost nearing $306 per month if they have full coverage
- Drivers that tend to have accidents or serious violations pay on average $1,080 more each year than a low-risk driver
- Increasing policy deductibles could save up to $275 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,132 |
| $250 | $1,046 |
| $500 | $946 |
| $1,000 | $848 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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