Cadillac STS Insurance Rates

Average insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $308, and liability is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $2,280 or more. Teenage drivers receive the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and STS models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

These examples show why all drivers should get quotes for a targeted area, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $627
• Choosing higher $1,000 deductibles can save approximately $120 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,060
• Using low deductibles for comp and collision coverage will cost an additional $228 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,280 or more
• The cost that insures a teen driver can cost as much as $4,066 each year

View Chart as Image

Auto insurance rates for a Cadillac STS can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,510 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $350 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted 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 Find the Cheapest Cadillac STS Insurance

Saving money on car insurance takes being a good driver, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the information touched on in the above illustrations.

• Drivers can save approximately $120 per year simply by quoting online in advance
• Drivers age 16 to 20 are the costliest to insure, costing as high as $339 per month if the policy includes full coverage
• Increasing deductibles can save approximately $350 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,220 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay an extra $440 each year to raise limits from a minimum limit to the 250/500 level