Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs an estimated $214 a year, collision costs $308, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing around $2,280. 16-year-old drivers cost the most to insure at $4,066 a year or more.

Average premium for full coverage: $1,060

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $627
• Drivers who choose higher $1,000 deductibles will pay approximately $940 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,060
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,288
• High risk drivers with multiple tickets or accidents could pay up to $2,280 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,066 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,000 a year. View Rates by Age

Your home state makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $350 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 137% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 Cadillac STS insurance not only requires being safe and accident-free, but also having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data that was covered above.

• It is possible to save approximately $120 per year simply by quoting early and online
• Drivers who want more liability protection will pay around $440 annually to go from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $339 each month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations pay on average $1,220 more annually than a low-risk driver