Cadillac STS Insurance Rates

The average auto insurance rates for a Cadillac STS are $1,106 annually for full coverage. Comprehensive costs approximately $228, collision costs $340, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing around $2,380. Teenage drivers cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $650
• Raising to $1,000 deductibles will save $130 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,106
• Using more expensive low deductibles will cost $1,354
• At-risk drivers who are prone to accidents and violations could pay around $2,380 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $4,210

View Chart as Image

Auto insurance rates for a Cadillac STS also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $380 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Cadillac STS insurance prices. A middle-age driver might find rates as low as $730 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,580 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied 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 the Best Cheap Cadillac STS Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick review of the material that was touched on above.

• Policyholders who purchase increased levels of liability coverage will pay an extra $440 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, costing up to $351 each month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,270 more per year to buy Cadillac STS insurance
• Increasing comprehensive and collision deductibles could save up to $375 each year