Cadillac STS Insurance Rates

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

Average premium for full coverage: $1,106

Premium estimates for type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and STS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

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

These rate differences illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $650
• Raising to $1,000 deductibles will save about $130 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,106
• Choosing low deductibles will increase the cost to $1,354
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,380 or more
• An auto insurance policy for full coverage for a teen driver can be $4,210

View Chart as Image

Car insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,200 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac STS insurance rates. A middle-age driver might find prices as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,490 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $380 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes 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 Affordable Cadillac STS Insurance

Finding better rates on Cadillac STS insurance consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the information covered above.

• It is possible to save up to $130 per year simply by quoting online in advance
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $351 per month if full coverage is included
• Increasing policy deductibles can save around $375 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,270 more every year to buy Cadillac STS insurance
• Drivers who may need increased levels of liability coverage will pay about $440 annually to raise from 30/60 bodily injury limits to 250/500 limits