Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,106 a year for full coverage insurance. Comprehensive insurance costs an estimated $228, collision costs $340, and liability coverage is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,380 or more. 16-year-old drivers cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $650
• Choosing higher $1,000 deductibles can save approximately $130 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,106
• Buying more expensive low deductibles for comp and collision coverage will cost an additional $248 each year
• Drivers with multiple tickets or accidents could pay up to $2,380 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,210 each year

View Chart as Image

Auto insurance rates for a Cadillac STS also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,490 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $380 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.

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 Cheap Cadillac STS Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief summary of the concepts that were touched on in this article.

• Drivers that tend to have accidents or serious violations may have to pay on average $1,270 more annually to insure a Cadillac STS
• Drivers under the age of 20 are the costliest to insure, possibly costing $351 each month if the policy includes full coverage
• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• It is possible to save approximately $130 per year simply by shopping early and online