Cadillac STS Insurance Rates

U.S. average insurance prices for a Cadillac STS are $1,060 every 12 months including full coverage. Comprehensive insurance costs around $214 a year, collision costs $308, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,280 or more. Teenage drivers pay the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist 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 insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why it is important to compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $627
• Using higher $1,000 deductibles will save about $940 every year
• The average price for the average middle-age driver using $500 deductibles is $1,060
• Using low $100 deductibles for physical damage coverage costs an extra $228 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,280 or more
• The price to insure a 16-year-old driver can be $4,066 or more

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

Using high physical damage deductibles could cut prices by as much as $350 annually, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be from 44% to 137% more than a normal policy. View High Risk Driver Rates

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 $810 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,510 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes 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 Shop for the Cheapest Cadillac STS Insurance

Getting lower rates on insurance for a Cadillac STS requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

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

• You may be able to save up to $120 per year simply by quoting early and online
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,220 more every year for car insurance
• Increasing physical damage deductibles could save as much as $350 each year
• Teenagers are the costliest to insure, possibly costing $339 a month if the policy includes full coverage