Cadillac STS Insurance Rates

Estimated insurance rates for a Cadillac STS are $1,158 a year for full coverage insurance. Comprehensive costs on average $244, collision costs $372, and liability insurance costs $406. A policy with only liability insurance costs as little as $450 a year, with a high-risk policy costing around $2,492. Teen drivers pay the most at $4,376 a year or more.

Average premium for full coverage: $1,158

Premium estimates by type of coverage:

Estimates include $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all STS models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how your location can change car insurance rates.

These rate differences illustrate why everyone should compare rates based on a specific location, rather than relying on price averages.

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

More Rate Details

The chart below illustrates estimated Cadillac STS insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $678
• Drivers who choose higher $1,000 deductibles will pay around $140 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,158
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,426
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,492 or more
• An auto insurance policy that insures a teen driver for full coverage may cost $4,376 a year

View Chart as Image

Car insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Cadillac STS insurance for high-risk drivers can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,300 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,560 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $410 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially 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 Low Cost Cadillac STS Insurance

Finding better rates on Cadillac STS insurance not only requires not taking risks behind the wheel, but also having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the data illustrated above.

• Drivers who require higher liability limits will pay about $450 annually to go from 30/60 bodily injury limits to the 250/500 level
• It is possible to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $400 each year
• Teens are expensive to insure, with premiums being up to $365 per month if full coverage is purchased