Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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Estimated insurance rates for a Cadillac STS are $1,106 a year for full coverage. Comprehensive insurance costs on average $228 a year, collision insurance costs $340, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs $2,380 or more. Teens pay the most at up to $4,210 a year.

Average premium for full coverage: $1,106

Premium estimates by type of coverage:

Comprehensive $228
Collision $340
Liability $402

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and STS trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Cadillac STS range from the low end price of $446 for just liability insurance to a high of $2,380 for a high-risk driver policy.

Liability Only $446
Full Coverage $1,106
High Risk $2,380

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $830
Small Cities $1,161
Large Cities $1,493

These rate differences show why it is important to compare prices based on a specific location, rather than using averaged prices.

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.

More Rate Details

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

  • The cheapest rate after discounts is $650
  • Using higher $1,000 deductibles will save around $976 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,106
  • Selecting low $100 deductibles for physical damage coverage will cost an additional $248 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,380
  • An auto insurance policy that insures a teenage driver may cost $4,210 or more

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing Cadillac STS insurance prices range from $650 to $4,210 for full coverage

Insurance prices for a Cadillac STS also have a wide range based on the trim level of your STS, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,200 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 $730 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,580 on average in Michigan, Louisiana, and New York.

Cadillac STS Insurance Rates by State
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%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 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 cost up to $362 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Cadillac STS Insurance Rates by Model and Trim Level
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.

Cadillac STS Insurance Rates by Model Year
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 Find the Cheapest Cadillac STS Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare rates every time your policy renews by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The list below is a recap of the information touched on in the above illustrations.

  • Drivers can save as much as $130 per year just by quoting early and online
  • Teenagers pay higher prices, as much as $351 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles can save approximately $375 each year
  • Drivers that have major violations or accidents may pay on average $1,270 more each year for car insurance
  • Consumers who require higher liability limits will pay approximately $440 each year to increase from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Cadillac STS Insurance 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

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,354
$250 $1,240
$500 $1,106
$1,000 $976

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
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

Cadillac STS Insurance 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.

SR-22 Surcharge $151

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
Rate after discounts $650

Discounts are estimated and may not be available from every company or in every state.

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