Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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Average insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $308, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,280 or more. Teen 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:

Comprehensive $214
Collision $308
Liability $402

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and STS models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $446 for just the minimum liability insurance to a high rate of $2,280 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,060
High Risk $2,280

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $795
Small Cities $1,113
Large Cities $1,431

These examples show why all drivers should compare prices for a targeted area and risk profile, rather than relying 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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $627
  • Using higher $1,000 deductibles will save approximately $120 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,060
  • Choosing low deductibles for physical damage coverage will cost an extra $228 a year
  • Drivers with multiple violations and an at-fault accident could pay up to $2,280 or more
  • The cost for full coverage for a teen driver can cost as much as $4,066 or more

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance prices range from $627 to $4,066

Insurance rates for a Cadillac STS can also vary considerably based on your driver profile, the trim level of your STS, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age

Where you live has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see rates as low as $700 a year in states like Iowa, Maine, and Idaho, or as much as $1,510 on average in New York, Louisiana, and Michigan.

Cadillac STS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $958 -$102 -9.6%
Alaska $812 -$248 -23.4%
Arizona $880 -$180 -17.0%
Arkansas $1,060 -$0 0.0%
California $1,208 $148 14.0%
Colorado $1,010 -$50 -4.7%
Connecticut $1,088 $28 2.6%
Delaware $1,196 $136 12.8%
Florida $1,324 $264 24.9%
Georgia $980 -$80 -7.5%
Hawaii $762 -$298 -28.1%
Idaho $716 -$344 -32.5%
Illinois $790 -$270 -25.5%
Indiana $800 -$260 -24.5%
Iowa $714 -$346 -32.6%
Kansas $1,006 -$54 -5.1%
Kentucky $1,444 $384 36.2%
Louisiana $1,568 $508 47.9%
Maine $654 -$406 -38.3%
Maryland $874 -$186 -17.5%
Massachusetts $844 -$216 -20.4%
Michigan $1,840 $780 73.6%
Minnesota $888 -$172 -16.2%
Mississippi $1,270 $210 19.8%
Missouri $940 -$120 -11.3%
Montana $1,138 $78 7.4%
Nebraska $834 -$226 -21.3%
Nevada $1,270 $210 19.8%
New Hampshire $764 -$296 -27.9%
New Jersey $1,184 $124 11.7%
New Mexico $938 -$122 -11.5%
New York $1,116 $56 5.3%
North Carolina $612 -$448 -42.3%
North Dakota $870 -$190 -17.9%
Ohio $730 -$330 -31.1%
Oklahoma $1,086 $26 2.5%
Oregon $970 -$90 -8.5%
Pennsylvania $1,010 -$50 -4.7%
Rhode Island $1,414 $354 33.4%
South Carolina $962 -$98 -9.2%
South Dakota $894 -$166 -15.7%
Tennessee $928 -$132 -12.5%
Texas $1,278 $218 20.6%
Utah $784 -$276 -26.0%
Vermont $722 -$338 -31.9%
Virginia $634 -$426 -40.2%
Washington $818 -$242 -22.8%
West Virginia $970 -$90 -8.5%
Wisconsin $732 -$328 -30.9%
Wyoming $942 -$118 -11.1%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $350 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly 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 $1,022 $85
Cadillac STS V6 AWD 4-Dr Sedan $1,022 $85
Cadillac STS V6 4-Dr Sedan $1,042 $87
Cadillac STS V6 AWD 4-Dr Sedan $1,042 $87
Cadillac STS V6 4-Dr Sedan $1,060 $88
Cadillac STS V6 AWD 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,060 $88
Cadillac STS V8 AWD 4-Dr Sedan $1,060 $88
Cadillac STS V8 4-Dr Sedan $1,098 $92
Cadillac STS V8 AWD 4-Dr Sedan $1,116 $93

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 $214 $308 $402 $1,060
2010 Cadillac STS $208 $278 $398 $1,020
2008 Cadillac STS $200 $258 $384 $978
2007 Cadillac STS $184 $246 $380 $946
2006 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 the Best Cheap Cadillac STS Insurance

Saving money on Cadillac STS insurance requires having a good driving record, maintaining good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The next list is a quick review of the ideas that were presented in the illustrations above.

  • Drivers age 20 and younger are charged the highest rates, costing as high as $339 per month for full coverage
  • High-risk drivers with a DUI or reckless driving violation pay an average of $1,220 more annually to buy Cadillac STS insurance
  • Increasing deductibles can save around $350 each year
  • Drivers can save approximately $120 per year simply by quoting online in advance

Rates by Driver Age

Cadillac STS Insurance Rates by Driver Age
Driver Age Premium
16 $4,066
20 $2,416
30 $1,094
40 $1,060
50 $972
60 $952

Full coverage, $500 deductibles

Rates by Deductible

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,184
$500 $1,060
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,060
50/100 $1,196
100/300 $1,297
250/500 $1,558
100 CSL $1,237
300 CSL $1,458
500 CSL $1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac STS Insurance Rates for High Risk Drivers
Age Premium
16 $5,770
20 $3,846
30 $2,316
40 $2,280
50 $2,174
60 $2,154

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 $143

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $56
Homeowner $17
5-yr Accident Free $71
5-yr Claim Free $68
Paid in Full/EFT $43
Advance Quote $49
Online Quote $74
Total Discounts $433
Rate after discounts $627

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

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