Cadillac STS Insurance Rates
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UPDATED: May 11, 2024
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U.S. average insurance prices for a Cadillac STS are $1,106 every 12 months including full coverage. Comprehensive insurance costs on average $228 a year, collision costs $340, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,380 or more. Teens pay the highest rates at $4,210 a year or more.
Average premium for full coverage: $1,106
Price estimates by individual coverage:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and STS trim levels.
Price Range from Low to High
For the normal driver, Cadillac STS insurance prices go from the cheapest price of $446 for minimum levels of liability insurance to a high of $2,380 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects car insurance rates.
The ranges above highlight why it is important to get quotes based on a specific location and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below breaks down estimated Cadillac STS insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $650
- Choosing higher $1,000 deductibles can save around $976 every year
- The average price for the average middle-age driver with $500 deductibles is $1,106
- Selecting low $100 deductibles for comp and collision coverage costs an extra $248 a year
- High-risk insureds with serious driving violations could pay upwards of $2,380 or more
- The price to insure a teen driver may cost $4,210 each year
Auto insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your STS.
Choosing higher comprehensive and collision insurance deductibles can save as much as $380 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,800 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,580 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices may be quite different.
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 Shop for the Best Cadillac STS Insurance
Getting lower rates on Cadillac STS insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the information presented in the illustrations above.
- You may be able to save as much as $130 per year simply by quoting early and online
- Teenage drivers are charged the highest prices, possibly costing $351 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $375 each year
- High-risk drivers who tend to receive serious violations may pay on average $1,270 more each year for auto insurance
- Drivers who require higher levels of liability will pay approximately $440 per year to raise limits from a low limit to a 250/500 level
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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