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 insurance rates for a Cadillac STS are $1,106 a year for full coverage insurance. Comprehensive insurance costs an estimated $228 a year, collision insurance costs $340, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs $2,380 or more. Teen drivers receive the highest rates at up to $4,210 a year.
Average premium for full coverage: $1,106
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and STS trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $446 for your basic liability-only policy to a high of $2,380 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how your location can change insurance prices.
These examples illustrate why it is important to get quotes for a targeted area, instead of making a decision based on price 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.
More Rate Information
The chart below illustrates average Cadillac STS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $650
- Choosing higher $1,000 deductibles can save approximately $976 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,106
- Choosing low $100 deductibles for comp and collision coverage will cost an additional $248 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,380
- The cost that insures a 16-year-old driver can cost as much as $4,210 each year
Insurance rates for a Cadillac STS can also vary considerably based on the trim level of your STS, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,300 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,490 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can save as much as $380 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Cadillac STS Insurance
Saving money on insurance for a Cadillac STS takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a quick review of the information illustrated above.
- It is possible to save approximately $130 per year just by quoting early and online
- Drivers under the age of 20 are expensive to insure, costing up to $351 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $375 each year
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,270 more annually to insure a Cadillac STS
- Insureds who want increased liability limits will pay about $440 annually to raise limits from a minimum limit to the 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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