Cadillac STS Insurance Rates

Average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs an estimated $214, collision costs $308, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing around $2,280. Teenage drivers receive the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different STS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

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

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $627
• Using higher $1,000 deductibles will save approximately $120 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,060
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,288
• Drivers who are prone to accidents and violations could pay up to $2,280 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $4,066 or more

View Chart as Image

Car insurance rates for a Cadillac STS can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $4,000 a year. View Rates by Age

Where you live has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,430 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $350 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,300 to $1,800 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 137% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

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 Cheap Cadillac STS Insurance

Saving money on car insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below is a brief summary of the information touched on above.

• It is possible to save approximately $120 per year simply by shopping early and online
• Teenage drivers have the highest car insurance rates, costing up to $339 per month if full coverage is included
• Increasing deductibles can save around $350 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,220 more annually for auto insurance
• Policyholders who want higher levels of liability will pay an extra $440 annually to increase from a minimum limit to 250/500 limits