Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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The average insurance prices for a Cadillac STS are $1,060 every 12 months for full coverage. Comprehensive costs around $214 each year, collision insurance costs $308, and liability costs around $402. Buying just liability costs as low as $446 a year, and insurance for high-risk drivers costs around $2,280. Teens cost the most to insure at up to $4,066 a year.

Average premium for full coverage: $1,060

Policy rates for type of insurance:

Comprehensive $214
Collision $308
Liability $402

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and STS models.

Price Range Variability

For the normal driver, Cadillac STS insurance rates range from the cheapest price of $446 for just liability coverage to a high rate of $2,280 for coverage for higher-risk drivers.

Liability Only $446
Full Coverage $1,060
High Risk $2,280

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $795
Small Cities $1,113
Large Cities $1,431

The examples above show why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below shows average Cadillac STS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $627
  • Using higher $1,000 deductibles will save about $120 a year
  • The average price for a good driver age 40 using $500 deductibles is $1,060
  • Selecting low deductibles for physical damage coverage increases the price to $1,288
  • High-risk insureds with serious driving violations could pay at least $2,280
  • Policy cost to insure a 16-year-old driver can be $4,066 or more

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing Cadillac STS insurance rates range from $627 to $4,066 for full coverage

Insurance rates for a Cadillac STS also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 annually, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,300 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 137% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,510 on average in Michigan, Louisiana, and New York.

Cadillac STS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $958 -$102 -9.6%
Alaska $812 -$248 -23.4%
Arizona $880 -$180 -17.0%
Arkansas $1,060 -$0 0.0%
California $1,208 $148 14.0%
Colorado $1,010 -$50 -4.7%
Connecticut $1,088 $28 2.6%
Delaware $1,196 $136 12.8%
Florida $1,324 $264 24.9%
Georgia $980 -$80 -7.5%
Hawaii $762 -$298 -28.1%
Idaho $716 -$344 -32.5%
Illinois $790 -$270 -25.5%
Indiana $800 -$260 -24.5%
Iowa $714 -$346 -32.6%
Kansas $1,006 -$54 -5.1%
Kentucky $1,444 $384 36.2%
Louisiana $1,568 $508 47.9%
Maine $654 -$406 -38.3%
Maryland $874 -$186 -17.5%
Massachusetts $844 -$216 -20.4%
Michigan $1,840 $780 73.6%
Minnesota $888 -$172 -16.2%
Mississippi $1,270 $210 19.8%
Missouri $940 -$120 -11.3%
Montana $1,138 $78 7.4%
Nebraska $834 -$226 -21.3%
Nevada $1,270 $210 19.8%
New Hampshire $764 -$296 -27.9%
New Jersey $1,184 $124 11.7%
New Mexico $938 -$122 -11.5%
New York $1,116 $56 5.3%
North Carolina $612 -$448 -42.3%
North Dakota $870 -$190 -17.9%
Ohio $730 -$330 -31.1%
Oklahoma $1,086 $26 2.5%
Oregon $970 -$90 -8.5%
Pennsylvania $1,010 -$50 -4.7%
Rhode Island $1,414 $354 33.4%
South Carolina $962 -$98 -9.2%
South Dakota $894 -$166 -15.7%
Tennessee $928 -$132 -12.5%
Texas $1,278 $218 20.6%
Utah $784 -$276 -26.0%
Vermont $722 -$338 -31.9%
Virginia $634 -$426 -40.2%
Washington $818 -$242 -22.8%
West Virginia $970 -$90 -8.5%
Wisconsin $732 -$328 -30.9%
Wyoming $942 -$118 -11.1%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Cadillac STS Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac STS V6 4-Dr Sedan $1,022 $85
Cadillac STS V6 AWD 4-Dr Sedan $1,022 $85
Cadillac STS V6 4-Dr Sedan $1,042 $87
Cadillac STS V6 AWD 4-Dr Sedan $1,042 $87
Cadillac STS V6 4-Dr Sedan $1,060 $88
Cadillac STS V6 AWD 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,060 $88
Cadillac STS V8 AWD 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,098 $92
Cadillac STS V8 AWD 4-Dr Sedan $1,116 $93

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.

Cadillac STS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Cadillac STS $214 $308 $402 $1,060
2010 Cadillac STS $208 $278 $398 $1,020
2008 Cadillac STS $200 $258 $384 $978
2007 Cadillac STS $184 $246 $380 $946
2006 Cadillac STS $178 $232 $376 $922

Rates are averaged for all Cadillac STS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Cadillac STS Insurance

Finding cheaper rates on insurance for a Cadillac STS requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at least once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a review of the primary concepts that were presented in the illustrations above.

  • Drivers can save up to $120 per year just by quoting online in advance
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,220 more every year to insure their STS
  • Increasing comprehensive and collision deductibles could save as much as $350 each year
  • Teen drivers pay higher rates, costing up to $339 each month if they have full coverage

Rates by Driver Age

Cadillac STS Insurance Rates by Driver Age
Driver Age Premium
16 $4,066
20 $2,416
30 $1,094
40 $1,060
50 $972
60 $952

Full coverage, $500 deductibles

Rates by Deductible

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,184
$500 $1,060
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,060
50/100 $1,196
100/300 $1,297
250/500 $1,558
100 CSL $1,237
300 CSL $1,458
500 CSL $1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac STS Insurance Rates for High Risk Drivers
Age Premium
16 $5,770
20 $3,846
30 $2,316
40 $2,280
50 $2,174
60 $2,154

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $143

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $56
Homeowner $17
5-yr Accident Free $71
5-yr Claim Free $68
Paid in Full/EFT $43
Advance Quote $49
Online Quote $74
Total Discounts $433
Rate after discounts $627

Discounts are estimated and may not be available from every company or in every state.

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