Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,106 a year with full coverage. Comprehensive costs around $228 each year, collision costs $340, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $2,380. Teenage drivers pay the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and STS models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why all drivers should compare prices for a specific zip code, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $650
• Using higher $1,000 deductibles will save about $130 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,106
• Using low deductibles for physical damage coverage bumps up the cost to $1,354
• Drivers who are prone to accidents and violations could pay at least $2,380 or more
• The price that insures a teen driver can be $4,210 or more

View Chart as Image

Car insurance prices for a Cadillac STS are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age

The state you live in has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see prices as low as $800 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,490 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $380 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

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 Cheapest Cadillac STS Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a recap of the primary concepts that were touched on above.

• You may be able to save up to $130 per year simply by quoting online in advance
• Higher risk drivers that have major violations or accidents may pay on average $1,270 more every year for car insurance
• Increasing physical damage deductibles can save approximately $375 each year
• Teenagers are the costliest to insure, costing up to $351 a month if full coverage is purchased