Cadillac STS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 11, 2024
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Average auto insurance rates for a Cadillac STS are $1,106 annually with full coverage. Comprehensive insurance costs an estimated $228 each year, collision costs $340, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,380 or more. 16-year-old drivers receive the highest rates at $4,210 a year or more.
Average premium for full coverage: $1,106
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and STS models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $446 for the bare minimum liability coverage to a high rate of $2,380 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than congested cities.
The graphic below illustrates how where you live affects insurance prices.
These examples demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using rate averages.
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 Rate Information
The chart below details estimated Cadillac STS insurance rates for other coverage scenarios.
- The best full coverage rate is $650
- Raising to $1,000 deductibles will save approximately $130 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,106
- Buying low deductibles costs an additional $248 every year
- At-risk drivers with multiple tickets or accidents could pay up to $2,380 or more
- The cost with full coverage for a teen driver can cost as much as $4,210
Insurance rates for a Cadillac STS can also vary considerably based on the trim level of your STS, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $380 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Cadillac STS insurance prices. A middle-age driver might find rates as low as $800 a year in states like Utah, Ohio, and New Hampshire, or at least $1,490 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,000 | -$106 | -9.6% |
| Alaska | $846 | -$260 | -23.5% |
| Arizona | $916 | -$190 | -17.2% |
| Arkansas | $1,106 | -$0 | 0.0% |
| California | $1,260 | $154 | 13.9% |
| Colorado | $1,054 | -$52 | -4.7% |
| Connecticut | $1,136 | $30 | 2.7% |
| Delaware | $1,248 | $142 | 12.8% |
| Florida | $1,378 | $272 | 24.6% |
| Georgia | $1,022 | -$84 | -7.6% |
| Hawaii | $794 | -$312 | -28.2% |
| Idaho | $748 | -$358 | -32.4% |
| Illinois | $824 | -$282 | -25.5% |
| Indiana | $834 | -$272 | -24.6% |
| Iowa | $746 | -$360 | -32.5% |
| Kansas | $1,048 | -$58 | -5.2% |
| Kentucky | $1,506 | $400 | 36.2% |
| Louisiana | $1,636 | $530 | 47.9% |
| Maine | $682 | -$424 | -38.3% |
| Maryland | $912 | -$194 | -17.5% |
| Massachusetts | $882 | -$224 | -20.3% |
| Michigan | $1,916 | $810 | 73.2% |
| Minnesota | $924 | -$182 | -16.5% |
| Mississippi | $1,324 | $218 | 19.7% |
| Missouri | $980 | -$126 | -11.4% |
| Montana | $1,186 | $80 | 7.2% |
| Nebraska | $870 | -$236 | -21.3% |
| Nevada | $1,324 | $218 | 19.7% |
| New Hampshire | $796 | -$310 | -28.0% |
| New Jersey | $1,236 | $130 | 11.8% |
| New Mexico | $978 | -$128 | -11.6% |
| New York | $1,164 | $58 | 5.2% |
| North Carolina | $636 | -$470 | -42.5% |
| North Dakota | $906 | -$200 | -18.1% |
| Ohio | $760 | -$346 | -31.3% |
| Oklahoma | $1,132 | $26 | 2.4% |
| Oregon | $1,012 | -$94 | -8.5% |
| Pennsylvania | $1,052 | -$54 | -4.9% |
| Rhode Island | $1,474 | $368 | 33.3% |
| South Carolina | $1,002 | -$104 | -9.4% |
| South Dakota | $932 | -$174 | -15.7% |
| Tennessee | $966 | -$140 | -12.7% |
| Texas | $1,332 | $226 | 20.4% |
| Utah | $818 | -$288 | -26.0% |
| Vermont | $754 | -$352 | -31.8% |
| Virginia | $662 | -$444 | -40.1% |
| Washington | $852 | -$254 | -23.0% |
| West Virginia | $1,012 | -$94 | -8.5% |
| Wisconsin | $764 | -$342 | -30.9% |
| Wyoming | $982 | -$124 | -11.2% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac STS V6 4-Dr Sedan | $1,064 | $89 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,064 | $89 |
| Cadillac STS V6 4-Dr Sedan | $1,084 | $90 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,084 | $90 |
| Cadillac STS V6 4-Dr Sedan | $1,106 | $92 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,106 | $92 |
| Cadillac STS V8 4-Dr Sedan | $1,106 | $92 |
| Cadillac STS V8 4-Dr Sedan | $1,106 | $92 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,106 | $92 |
| Cadillac STS V8 4-Dr Sedan | $1,146 | $96 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,166 | $97 |
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 | $228 | $340 | $402 | $1,106 |
| 2010 Cadillac STS | $214 | $308 | $402 | $1,060 |
| 2008 Cadillac STS | $204 | $270 | $390 | $1,000 |
| 2007 Cadillac STS | $200 | $258 | $384 | $978 |
| 2006 Cadillac STS | $184 | $246 | $380 | $946 |
| 2005 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 Buy the Cheapest Cadillac STS Insurance
Saving money on car insurance consists of avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a recap of the concepts that were touched on in the above illustrations.
- Higher risk drivers that have major violations or accidents pay on average $1,270 more annually for car insurance
- Teenagers are charged the highest rates, with premiums as much as $351 per month including comprehensive and collision insurance
- You may be able to save approximately $130 per year simply by quoting online in advance
- Increasing deductibles could save up to $375 each year
- You may be able to save approximately $130 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,210 |
| 20 | $2,520 |
| 30 | $1,142 |
| 40 | $1,106 |
| 50 | $1,010 |
| 60 | $990 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,354 |
| $250 | $1,240 |
| $500 | $1,106 |
| $1,000 | $976 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,106 |
| 50/100 | $1,246 |
| 100/300 | $1,347 |
| 250/500 | $1,608 |
| 100 CSL | $1,287 |
| 300 CSL | $1,508 |
| 500 CSL | $1,669 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,982 |
| 20 | $4,016 |
| 30 | $2,420 |
| 40 | $2,380 |
| 50 | $2,268 |
| 60 | $2,246 |
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 | $58 |
| Multi-vehicle | $58 |
| Homeowner | $18 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $46 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $456 |
Discounts are estimated and may not be available from every company or in every state.
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