Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive costs on average $214 a year, collision costs $308, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,280. Teenage drivers cost the most to insure at $4,066 a year or more.

Average premium for full coverage: $1,060

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to get quotes based on a specific location, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Cadillac STS insurance rates for different risk profiles and scenarios.

• The best discount rate is $627
• Choosing higher $1,000 deductibles can save around $940 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,060
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,288
• Drivers who are prone to accidents and violations could pay upwards of $2,280 or more
• Policy cost that insures a teenage driver may cost $4,066 each year

View Chart as Image

Car insurance rates for a Cadillac STS also range considerably based on the trim level of your STS, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,510 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $350 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Cheap Cadillac STS Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a brief summary of the data touched on in this article.

• Consumers who require higher levels of liability will pay an extra $440 each year to raise limits from a 30/60 limit to the 250/500 level
• Drivers can save as much as $120 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teenage drivers are expensive to insure, costing up to $339 each month if full coverage is purchased