Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive insurance costs around $214 a year, collision costs $308, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,280 or more. 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 for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $627
• Using higher $1,000 deductibles will save about $940 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,060
• Buying low $100 deductibles for physical damage coverage will cost an extra $228 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,280 or more
• Policy cost for full coverage for a 16-year-old driver can be $4,066 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,000 a year. View Rates by Age

Your home state has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $690 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,430 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $350 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. 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 at least $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can be 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 your exact price is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes 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 the Right Cadillac STS Insurance

Finding cheaper rates on insurance for a Cadillac STS requires having a decent driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick rundown of the data that was touched on in the above illustrations.

• It is possible to save up to $120 per year simply by quoting early and online
• Insureds who may need additional liability coverage will pay around $440 annually to increase from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $339 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,220 more every year than a driver with a clean driving record