Cadillac STS Insurance Rates

Average insurance prices for a Cadillac STS are $1,106 every 12 months for full coverage insurance. Comprehensive insurance costs around $228 a year, collision costs $340, and liability costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers costing $2,380 or more. Teens receive the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and STS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why it is important to compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates estimated Cadillac STS insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $650
• Drivers who choose higher $1,000 deductibles will pay about $976 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,106
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $248 every year
• Higher-risk drivers with serious driving violations could pay at least $2,380 or more
• The cost to insure a teen driver can be $4,210 a year

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Insurance rates for a Cadillac STS can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $380 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,300 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Cadillac STS insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,490 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different.

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 Shop for the Best Cheap Cadillac STS Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the material that was covered above.

• Policyholders who may need increased liability limits will pay approximately $440 annually to go from a minimum limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, costing up to $351 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,270 more every year to insure a Cadillac STS
• Increasing deductibles could save as much as $375 each year