Cadillac STS Insurance Rates

Estimated auto insurance rates for a Cadillac STS are $1,060 annually for full coverage insurance. Comprehensive costs an estimated $214 each year, collision costs $308, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,280. Teens pay the most at $4,066 a year or more.

Average premium for full coverage: $1,060

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and STS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

These rate differences illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Cadillac STS insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $627
• Choosing higher $1,000 deductibles can save approximately $120 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,060
• Selecting low deductibles for comp and collision coverage will cost $1,288
• Unlucky drivers with serious driving violations could pay up to $2,280 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,066 each year

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Auto insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices will be substantially different between companies.

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 Buy Cheap Cadillac STS Insurance

Finding better rates on car insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates once a year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the data that was covered in the charts and tables above.

• It is possible to save approximately $120 per year simply by quoting online in advance
• Policyholders who want an increased level of liability coverage will pay approximately $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $339 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,220 more annually than a safer driver