Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,106 a year including full coverage. Comprehensive insurance costs approximately $228 a year, collision costs $340, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $2,380 or more. Teens cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $650
• Drivers who choose higher $1,000 deductibles will pay $976 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,106
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $248 each year
• High-risk insureds with serious driving violations could pay around $2,380 or more
• Policy cost that insures a teenage driver can cost $4,210 a year

View Chart as Image

Insurance rates for a Cadillac STS also range considerably based on the trim level of your STS, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,200 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 $850 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $380 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, so the 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 Cheaper Cadillac STS Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates once a year by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following is a condensed summary of the data that was touched on above.

• You may be able to save around $130 per year simply by quoting early and online
• Consumers who purchase higher liability limits will pay approximately $440 per year to go from a 30/60 limit to the 250/500 level
• Teens are expensive to insure, with premiums being up to $351 each month if full coverage is included
• Drivers with multiple at-fault accidents will likely pay on average $1,270 more per year for STS insurance