Cadillac STS Insurance Rates
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Michelle Robbins
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UPDATED: May 11, 2024
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Estimated insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive costs on average $214, collision costs $308, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,280. Teenage drivers pay the most at $4,066 a year or more.
Average premium for full coverage: $1,060
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all STS models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Cadillac STS go from as low as $446 for liability-only coverage to the much higher price of $2,280 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.
The example below illustrates how location impacts car insurance rates.
These rate differences show why everyone should compare prices based on a specific location and risk profile, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Cadillac STS insurance rates for different risk profiles and scenarios.
- The best discount rate is $627
- Using higher $1,000 deductibles will save around $120 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,060
- Using pricier low deductibles for physical damage coverage will increase the cost to $1,288
- Drivers who are prone to accidents and violations could pay upwards of $2,280 or more
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $4,066 or more
Auto insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the trim level of your STS, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,000 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see prices 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $958 | -$102 | -9.6% |
| Alaska | $812 | -$248 | -23.4% |
| Arizona | $880 | -$180 | -17.0% |
| Arkansas | $1,060 | -$0 | 0.0% |
| California | $1,208 | $148 | 14.0% |
| Colorado | $1,010 | -$50 | -4.7% |
| Connecticut | $1,088 | $28 | 2.6% |
| Delaware | $1,196 | $136 | 12.8% |
| Florida | $1,324 | $264 | 24.9% |
| Georgia | $980 | -$80 | -7.5% |
| Hawaii | $762 | -$298 | -28.1% |
| Idaho | $716 | -$344 | -32.5% |
| Illinois | $790 | -$270 | -25.5% |
| Indiana | $800 | -$260 | -24.5% |
| Iowa | $714 | -$346 | -32.6% |
| Kansas | $1,006 | -$54 | -5.1% |
| Kentucky | $1,444 | $384 | 36.2% |
| Louisiana | $1,568 | $508 | 47.9% |
| Maine | $654 | -$406 | -38.3% |
| Maryland | $874 | -$186 | -17.5% |
| Massachusetts | $844 | -$216 | -20.4% |
| Michigan | $1,840 | $780 | 73.6% |
| Minnesota | $888 | -$172 | -16.2% |
| Mississippi | $1,270 | $210 | 19.8% |
| Missouri | $940 | -$120 | -11.3% |
| Montana | $1,138 | $78 | 7.4% |
| Nebraska | $834 | -$226 | -21.3% |
| Nevada | $1,270 | $210 | 19.8% |
| New Hampshire | $764 | -$296 | -27.9% |
| New Jersey | $1,184 | $124 | 11.7% |
| New Mexico | $938 | -$122 | -11.5% |
| New York | $1,116 | $56 | 5.3% |
| North Carolina | $612 | -$448 | -42.3% |
| North Dakota | $870 | -$190 | -17.9% |
| Ohio | $730 | -$330 | -31.1% |
| Oklahoma | $1,086 | $26 | 2.5% |
| Oregon | $970 | -$90 | -8.5% |
| Pennsylvania | $1,010 | -$50 | -4.7% |
| Rhode Island | $1,414 | $354 | 33.4% |
| South Carolina | $962 | -$98 | -9.2% |
| South Dakota | $894 | -$166 | -15.7% |
| Tennessee | $928 | -$132 | -12.5% |
| Texas | $1,278 | $218 | 20.6% |
| Utah | $784 | -$276 | -26.0% |
| Vermont | $722 | -$338 | -31.9% |
| Virginia | $634 | -$426 | -40.2% |
| Washington | $818 | -$242 | -22.8% |
| West Virginia | $970 | -$90 | -8.5% |
| Wisconsin | $732 | -$328 | -30.9% |
| Wyoming | $942 | -$118 | -11.1% |
Using high physical damage deductibles could cut prices by as much as $350 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 in extra premium annually, depending on your age. Cadillac STS insurance for high-risk drivers can be anywhere from 44% to 137% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac STS V6 4-Dr Sedan | $1,022 | $85 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,022 | $85 |
| Cadillac STS V6 4-Dr Sedan | $1,042 | $87 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,042 | $87 |
| Cadillac STS V6 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 4-Dr Sedan | $1,098 | $92 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,116 | $93 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Cadillac STS | $214 | $308 | $402 | $1,060 |
| 2010 Cadillac STS | $208 | $278 | $398 | $1,020 |
| 2008 Cadillac STS | $200 | $258 | $384 | $978 |
| 2007 Cadillac STS | $184 | $246 | $380 | $946 |
| 2006 Cadillac STS | $178 | $232 | $376 | $922 |
Rates are averaged for all Cadillac STS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Cadillac STS Insurance
Finding better rates on Cadillac STS insurance requires having a good driving record, having good credit, not filing small claims, and taking advantage of discounts. Spend time shopping around every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The next list is a brief review of the coverage data touched on above.
- Drivers can save as much as $120 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $350 each year
- Drivers age 20 and younger are charged the highest prices, as much as $339 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions will pay on average $1,220 more each year to buy Cadillac STS insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,066 |
| 20 | $2,416 |
| 30 | $1,094 |
| 40 | $1,060 |
| 50 | $972 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,288 |
| $250 | $1,184 |
| $500 | $1,060 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,060 |
| 50/100 | $1,196 |
| 100/300 | $1,297 |
| 250/500 | $1,558 |
| 100 CSL | $1,237 |
| 300 CSL | $1,458 |
| 500 CSL | $1,619 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,770 |
| 20 | $3,846 |
| 30 | $2,316 |
| 40 | $2,280 |
| 50 | $2,174 |
| 60 | $2,154 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $55 |
| Multi-vehicle | $56 |
| Homeowner | $17 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $43 |
| Advance Quote | $49 |
| Online Quote | $74 |
| Total Discounts | $433 |
Discounts are estimated and may not be available from every company or in every state.
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