Cadillac STS Insurance Rates

Average insurance rates for a Cadillac STS are $1,060 a year including full coverage. Comprehensive insurance costs approximately $214, collision insurance costs $308, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs $2,280 or more. Teenage drivers receive the highest rates at up to $4,066 a year.

Average premium for full coverage: $1,060

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all STS models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

These examples highlight why everyone should compare prices using their specific location, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $627
• Using higher $1,000 deductibles will save $120 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,060
• Using pricier low deductibles for physical damage coverage will cost an additional $228 every year
• Drivers who are prone to accidents and violations could pay around $2,280
• The cost that insures a teen driver for full coverage can cost $4,066 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,300 to $1,800 additional per year, depending on your age. Cadillac STS insurance for high-risk drivers can be as much as 44% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Where you live has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,510 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $350 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

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

Saving money on car insurance requires being safe and accident-free, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

Below you'll find a condensed summary of the information touched on above.

• You may be able to save around $120 per year just by quoting online well ahead of the renewal date
• Youthful drivers are the costliest to insure, as much as $339 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $350 each year
• Higher risk drivers with multiple at-fault accidents will likely pay on average $1,220 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay an extra $440 per year to increase from a minimum limit to the 250/500 level