Cadillac STS Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 11, 2024
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U.S. average insurance prices for a Cadillac STS are $1,106 every 12 months including full coverage. Comprehensive costs on average $228, collision insurance costs $340, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs around $2,380. Teen drivers pay the highest rates at up to $4,210 a year.
Average premium for full coverage: $1,106
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all STS models.
Price Range from Low to High
For an average driver, Cadillac STS insurance prices range from the cheapest price of $446 for your basic liability-only policy to the much higher price of $2,380 for a driver who requires high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and their own driving history, 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.
More Rate Information
The chart below breaks down average Cadillac STS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $650
- Drivers who choose higher $1,000 deductibles will pay around $130 every year
- The average price for the average middle-age driver with $500 deductibles is $1,106
- Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,354
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,380
- The price to insure a teen driver for full coverage may cost $4,210 a year
 
				Car insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your STS.
Choosing high deductibles could save up to $380 each year, whereas buying more liability protection will cost you more. Changing 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
A more mature driver with no driving violations and higher deductibles could pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,800 extra each year, depending on your age. Cadillac STS insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,580 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference | 
|---|---|---|---|
| Alabama | $1,000 | -$106 | -9.6% | 
| Alaska | $846 | -$260 | -23.5% | 
| Arizona | $916 | -$190 | -17.2% | 
| Arkansas | $1,106 | -$0 | 0.0% | 
| California | $1,260 | $154 | 13.9% | 
| Colorado | $1,054 | -$52 | -4.7% | 
| Connecticut | $1,136 | $30 | 2.7% | 
| Delaware | $1,248 | $142 | 12.8% | 
| Florida | $1,378 | $272 | 24.6% | 
| Georgia | $1,022 | -$84 | -7.6% | 
| Hawaii | $794 | -$312 | -28.2% | 
| Idaho | $748 | -$358 | -32.4% | 
| Illinois | $824 | -$282 | -25.5% | 
| Indiana | $834 | -$272 | -24.6% | 
| Iowa | $746 | -$360 | -32.5% | 
| Kansas | $1,048 | -$58 | -5.2% | 
| Kentucky | $1,506 | $400 | 36.2% | 
| Louisiana | $1,636 | $530 | 47.9% | 
| Maine | $682 | -$424 | -38.3% | 
| Maryland | $912 | -$194 | -17.5% | 
| Massachusetts | $882 | -$224 | -20.3% | 
| Michigan | $1,916 | $810 | 73.2% | 
| Minnesota | $924 | -$182 | -16.5% | 
| Mississippi | $1,324 | $218 | 19.7% | 
| Missouri | $980 | -$126 | -11.4% | 
| Montana | $1,186 | $80 | 7.2% | 
| Nebraska | $870 | -$236 | -21.3% | 
| Nevada | $1,324 | $218 | 19.7% | 
| New Hampshire | $796 | -$310 | -28.0% | 
| New Jersey | $1,236 | $130 | 11.8% | 
| New Mexico | $978 | -$128 | -11.6% | 
| New York | $1,164 | $58 | 5.2% | 
| North Carolina | $636 | -$470 | -42.5% | 
| North Dakota | $906 | -$200 | -18.1% | 
| Ohio | $760 | -$346 | -31.3% | 
| Oklahoma | $1,132 | $26 | 2.4% | 
| Oregon | $1,012 | -$94 | -8.5% | 
| Pennsylvania | $1,052 | -$54 | -4.9% | 
| Rhode Island | $1,474 | $368 | 33.3% | 
| South Carolina | $1,002 | -$104 | -9.4% | 
| South Dakota | $932 | -$174 | -15.7% | 
| Tennessee | $966 | -$140 | -12.7% | 
| Texas | $1,332 | $226 | 20.4% | 
| Utah | $818 | -$288 | -26.0% | 
| Vermont | $754 | -$352 | -31.8% | 
| Virginia | $662 | -$444 | -40.1% | 
| Washington | $852 | -$254 | -23.0% | 
| West Virginia | $1,012 | -$94 | -8.5% | 
| Wisconsin | $764 | -$342 | -30.9% | 
| Wyoming | $982 | -$124 | -11.2% | 

Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium | 
|---|---|---|
| Cadillac STS V6 4-Dr Sedan | $1,064 | $89 | 
| Cadillac STS V6 AWD 4-Dr Sedan | $1,064 | $89 | 
| Cadillac STS V6 4-Dr Sedan | $1,084 | $90 | 
| Cadillac STS V6 AWD 4-Dr Sedan | $1,084 | $90 | 
| Cadillac STS V6 4-Dr Sedan | $1,106 | $92 | 
| Cadillac STS V6 AWD 4-Dr Sedan | $1,106 | $92 | 
| Cadillac STS V8 4-Dr Sedan | $1,106 | $92 | 
| Cadillac STS V8 4-Dr Sedan | $1,106 | $92 | 
| Cadillac STS V8 AWD 4-Dr Sedan | $1,106 | $92 | 
| Cadillac STS V8 4-Dr Sedan | $1,146 | $96 | 
| Cadillac STS V8 AWD 4-Dr Sedan | $1,166 | $97 | 
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium | 
|---|---|---|---|---|
| 2011 Cadillac STS | $228 | $340 | $402 | $1,106 | 
| 2010 Cadillac STS | $214 | $308 | $402 | $1,060 | 
| 2008 Cadillac STS | $204 | $270 | $390 | $1,000 | 
| 2007 Cadillac STS | $200 | $258 | $384 | $978 | 
| 2006 Cadillac STS | $184 | $246 | $380 | $946 | 
| 2005 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 Shop for Cheap Cadillac STS Insurance
Getting lower rates on Cadillac STS insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief summary of the concepts that were covered in the above illustrations.
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,270 more each year than a low-risk driver
- Youthful drivers are expensive to insure, possibly costing $351 a month if the policy includes full coverage
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $375 each year
- You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium | 
|---|---|
| 16 | $4,210 | 
| 20 | $2,520 | 
| 30 | $1,142 | 
| 40 | $1,106 | 
| 50 | $1,010 | 
| 60 | $990 | 
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium | 
|---|---|
| $100 | $1,354 | 
| $250 | $1,240 | 
| $500 | $1,106 | 
| $1,000 | $976 | 
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium | 
|---|---|
| 30/60 | $1,106 | 
| 50/100 | $1,246 | 
| 100/300 | $1,347 | 
| 250/500 | $1,608 | 
| 100 CSL | $1,287 | 
| 300 CSL | $1,508 | 
| 500 CSL | $1,669 | 
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium | 
|---|---|
| 16 | $5,982 | 
| 20 | $4,016 | 
| 30 | $2,420 | 
| 40 | $2,380 | 
| 50 | $2,268 | 
| 60 | $2,246 | 
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings | 
|---|---|
| Multi-policy | $58 | 
| Multi-vehicle | $58 | 
| Homeowner | $18 | 
| 5-yr Accident Free | $75 | 
| 5-yr Claim Free | $71 | 
| Paid in Full/EFT | $46 | 
| Advance Quote | $52 | 
| Online Quote | $78 | 
| Total Discounts | $456 | 
Discounts are estimated and may not be available from every company or in every state.
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