Cadillac STS Insurance Rates

Estimated insurance rates for a Cadillac STS are $1,106 a year for full coverage insurance. Comprehensive costs approximately $228, collision costs $340, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing around $2,380. Teenage drivers pay the most at $4,210 a year or more.

Average premium for full coverage: $1,106

Premium estimates by type of coverage:

Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $650
• Using higher $1,000 deductibles will save $130 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,106
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,354
• Higher-risk drivers who are prone to accidents and violations could pay around $2,380 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost $4,210 or more

View Chart as Image

Insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

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 $720 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,490 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $380 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different 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 the Right Cadillac STS Insurance

Finding better rates on auto insurance requires having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save around $130 per year simply by shopping early and online
• Increasing policy deductibles can save around $375 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $351 per month for full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,270 more per year to buy Cadillac STS insurance