Cadillac STS Insurance Rates
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UPDATED: Jun 5, 2023
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The average insurance rates for a Cadillac STS are $946 a year for full coverage. Comprehensive insurance costs around $184 each year, collision costs $246, and liability is estimated at $380. Buying just liability costs approximately $428 a year, with insurance for high-risk drivers costing $2,022 or more. Teen drivers cost the most to insure at $3,670 a year or more.
Average premium for full coverage: $946
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and STS models.
Price Range Variability
For a 40-year-old driver, Cadillac STS insurance rates go from as low as $428 for minimum levels of liability insurance to a high rate of $2,022 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how your location can change auto insurance rates.
The examples above show why all drivers should get quotes for a specific zip code and risk profile, instead of using price averages.
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 Details
The chart below shows estimated Cadillac STS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $569
- Choosing higher $1,000 deductibles can save about $98 a year
- The average rate for a good driver age 40 using $500 deductibles is $946
- Choosing low deductibles for comp and collision coverage will cost an extra $186 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,022 or more
- Policy cost for full coverage for a teen driver can be $3,670 each year
Insurance rates for a Cadillac STS also range considerably based on your risk profile, the trim level of your STS, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $3,600 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 $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,350 on average in Michigan, Louisiana, and New York.
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% |
Choosing high deductibles can save as much as $290 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $342 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.
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 Find Affordable Cadillac STS Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below you'll find a brief review of the material that was illustrated above.
- Policyholders who may need more liability protection will pay about $420 each year to raise limits from a 30/60 limit to 250/500 limits
- Youthful drivers pay higher rates, costing up to $306 each month for full coverage
- Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,080 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $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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