Cadillac STS Insurance Rates

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

Average premium for full coverage: $1,106

Premium estimates by type of coverage:

Prices are based on $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $650
• Using higher $1,000 deductibles will save $130 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,106
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,354
• Drivers with serious driving violations could pay around $2,380 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $4,210 or more

View Chart as Image

Insurance prices for a Cadillac STS also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,300 to $1,800 additional annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision 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, since even teens with perfect driving records should be prepared to pay in the ballpark 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 $800 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,490 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $380 each year, while increasing your policy's liability limits will push prices upward. Moving 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

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices will be substantially different.

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 Affordable Cadillac STS Insurance

Finding better rates on Cadillac STS insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare rates every couple of years by requesting quotes from direct companies, and also from local insurance agencies.

The following is a brief review of the material that was presented in the illustrations above.

• Drivers who purchase higher liability limits will pay approximately $440 every year to increase from 30/60 bodily injury limits to the 250/500 level
• Teens are the costliest to insure, possibly costing $351 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,270 more per year for STS insurance
• Increasing policy deductibles can save approximately $375 each year