Cadillac STS Insurance Rates

U.S. average auto insurance rates for a Cadillac STS are $946 annually for full coverage insurance. Comprehensive costs on average $184, collision costs $246, and liability is $380. Buying just liability costs around $428 a year, with insurance for high-risk drivers costing around $2,022. Teenage drivers pay the highest rates at $3,670 a year or more.

Average premium for full coverage: $946

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all STS models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates estimated Cadillac STS insurance rates for different risk profiles and scenarios.

• The best discount rate is $569
• Raising to $1,000 deductibles will save around $98 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $946
• Using pricier low deductibles will cost $1,132
• Drivers who are prone to accidents and violations could pay upwards of $2,022 or more
• The price with full coverage for a 16-year-old driver for full coverage may cost $3,670

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Insurance prices for a Cadillac STS are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 additional each year, depending on your age. Cadillac STS insurance for high-risk drivers is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $290 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $342 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Cadillac STS insurance prices. A middle-age driver might find prices 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.

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Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Affordable Cadillac STS Insurance

Getting lower rates on insurance for a Cadillac STS consists of being a good driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the coverage data raised in the charts and tables above.

• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $275 each year
• Drivers age 16 to 20 pay higher prices, as much as $306 a month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,080 more each year than a safer driver