Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,060 a year including full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $308, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing $2,280 or more. Teens pay the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and STS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $627
• Using higher $1,000 deductibles will save approximately $940 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,060
• Selecting low $100 deductibles for physical damage coverage will cost an additional $228 every year
• Drivers with serious driving violations could pay up to $2,280 or more
• The price that insures a teen driver can cost as much as $4,066 or more

View Chart as Image

Insurance prices for a Cadillac STS are also quite variable based on the trim level of your STS, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,000 a year. View Rates by Age

The state you live in has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,510 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $350 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so the prices may be quite 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 Cheaper Cadillac STS Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates at every other renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the concepts that were presented in the illustrations above.

• Higher risk drivers with multiple at-fault accidents could be charged and average of $1,220 more annually to insure a Cadillac STS
• Drivers under the age of 20 are charged the highest prices, possibly costing $339 a month if full coverage is included
• You may be able to save approximately $120 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $350 each year
• You may be able to save approximately $120 per year simply by quoting early and online