Cadillac STS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $184
Collision $246
Liability $380

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.

Liability Only $428
Full Coverage $946
High Risk $2,022

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.

Rural Areas $710
Small Cities $993
Large Cities $1,277

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

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance prices range from $569 to $3,670

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.

Cadillac STS Insurance Rates by State
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%

View Chart as Image

Cadillac STS insurance rates by U.S. city

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

Cadillac STS Insurance Rates by Model and Trim Level
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.

Cadillac STS Insurance Rates by Model Year
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

Rates by Driver Age

Cadillac STS Insurance 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

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,132
$250 $1,046
$500 $946
$1,000 $848

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
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

Cadillac STS Insurance 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.

SR-22 Surcharge $126

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
Rate after discounts $569

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles