Cadillac STS Insurance Rates

Estimated auto insurance rates for a Cadillac STS are $1,060 annually with full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $308, and liability insurance is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,280 or more. Teenage drivers pay the most at $4,066 a year or more.

Average premium for full coverage: $1,060

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details estimated Cadillac STS insurance rates for other coverage scenarios.

• The best discount rate is $627
• Choosing higher $1,000 deductibles can save approximately $940 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,060
• Using low $100 deductibles for comp and collision coverage costs an additional $228 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,280 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,066 each year

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Insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $350 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,430 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy Affordable Cadillac STS Insurance

Finding better rates on Cadillac STS insurance takes avoiding accidents and violations, having good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The list below is a brief review of the data raised in the charts and tables above.

• Drivers who want higher liability limits will pay an extra $440 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save approximately $120 per year simply by quoting early and online
• Increasing policy deductibles could save up to $350 each year
• Teenagers are expensive to insure, possibly costing $339 per month if they have full coverage