Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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

Average premium for full coverage: $1,106

Premium estimates by type of coverage:

Comprehensive $228
Collision $340
Liability $402

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all STS models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Cadillac STS go from as low as $446 for just liability coverage to the much higher price of $2,380 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $1,106
High Risk $2,380

Insurance Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $830
Small Cities $1,161
Large Cities $1,493

These rate differences highlight why everyone should compare rates using their specific location and risk profile, 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.

Detailed Rate Analysis

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

  • The lowest rate with discounts is $650
  • Drivers who choose higher $1,000 deductibles will pay $130 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,106
  • Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,354
  • Drivers with multiple violations and an at-fault accident could pay around $2,380 or more
  • An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $4,210 a year

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance rates range from $650 to $4,210

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac STS insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,580 on average in Louisiana, New York, and Michigan.

Cadillac STS Insurance Rates by State
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%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Choosing high deductibles could save up to $380 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,800 additional annually, depending on your age. Cadillac STS insurance for high-risk drivers can cost from 43% to 131% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Every company uses a different rate calculation, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Cadillac STS Insurance Rates by Model and Trim Level
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.

Cadillac STS Insurance Rates by Model Year
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 Low Cost Cadillac STS Insurance

Finding better rates on insurance for a Cadillac STS not only requires being a good driver, but also having a good credit history, refrain from filing small claims, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a review of the data touched on above.

  • Insureds who purchase an increased level of liability coverage will pay about $440 per year to go from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $375 each year
  • Drivers age 16 to 20 are the costliest to insure, with the cost nearing $351 per month including comprehensive and collision insurance

Rates by Driver Age

Cadillac STS Insurance 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

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,354
$250 $1,240
$500 $1,106
$1,000 $976

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
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

Cadillac STS Insurance 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.

SR-22 Surcharge $151

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
Rate after discounts $650

Discounts are estimated and may not be available from every company or in every state.

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