Cadillac STS Insurance Rates

U.S. average insurance prices for a Cadillac STS are $1,060 every 12 months with full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $308, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing $2,280 or more. Teenage drivers pay the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and STS trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $627
• Using higher $1,000 deductibles will save approximately $940 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,060
• Using low $100 deductibles for physical damage coverage costs an extra $228 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,280 or more
• The price to insure a teenage driver can cost as much as $4,066 or more

View Chart as Image

Car insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $350 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,430 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite 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 Shop for More Affordable Cadillac STS Insurance

Getting lower rates on auto insurance requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the information covered above.

• You may be able to save approximately $120 per year simply by quoting early and online
• 16 to 18-year-old drivers have the highest car insurance prices, costing up to $339 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $350 each year
• Drivers who have multiple accidents or major violations may pay on average $1,220 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay an extra $440 every year to increase from a low limit to a 250/500 level