Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive insurance costs an estimated $214, collision costs $308, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $2,280 or more. Teenage drivers cost the most to insure at $4,066 a year or more.

Average premium for full coverage: $1,060

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Cadillac STS insurance rates for other coverage scenarios.

• The best discount rate is $627
• Drivers who choose higher $1,000 deductibles will pay approximately $120 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,060
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $228 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,280 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,066 a year

View Chart as Image

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

An older driver with a clean driving record and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,000 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 $690 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $350 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. 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 $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates 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 Cheaper Cadillac STS Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the ideas that were touched on in the above illustrations.

• Teens are charged the highest rates, possibly costing $339 each month for full coverage
• Drivers with multiple at-fault accidents pay on average $1,220 more annually for STS insurance
• Increasing comprehensive and collision deductibles can save around $350 each year
• It is possible to save approximately $120 per year simply by shopping early and online