Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,106 a year including full coverage. Comprehensive costs an estimated $228 a year, collision costs $340, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $2,380. Teens pay the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and STS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $650
• Using higher $1,000 deductibles will save approximately $976 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,106
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,354
• High-risk insureds with serious driving violations could pay up to $2,380 or more
• The price that insures a 16-year-old driver can cost as much as $4,210 or more

View Chart as Image

Insurance prices for a Cadillac STS are also quite variable based on the trim level of your STS, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,300 to $1,800 additional each year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,200 a year. View Rates by Age

The state you live in has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, and prices may be quite 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 Find the Best Cadillac STS Insurance

Getting lower rates on insurance for a Cadillac STS requires avoiding accidents and violations, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates at every other renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief recap of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,270 more annually for car insurance
• Teenagers are expensive to insure, possibly costing $351 a month if comprehensive and collision insurance is included
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $375 each year
• You may be able to save approximately $130 per year simply by quoting early and online