Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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Estimated auto insurance rates for a Cadillac STS are $1,060 annually for full coverage insurance. Comprehensive costs an estimated $214 each year, collision costs $308, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,280. Teens pay the most at $4,066 a year or more.

Average premium for full coverage: $1,060

Premium estimates broken down by type of coverage:

Comprehensive $214
Collision $308
Liability $402

These estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and STS models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Cadillac STS go from as cheap as $446 for just the minimum liability insurance to a high rate of $2,280 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

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

These rate differences illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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.

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Additional Rate Analysis

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

  • The cheapest rate after discounts is $627
  • Choosing higher $1,000 deductibles can save approximately $120 each year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,060
  • Selecting low deductibles for comp and collision coverage will cost $1,288
  • Unlucky drivers with serious driving violations could pay up to $2,280 or more
  • An auto insurance policy with full coverage for a teen driver can cost as much as $4,066 each year

View Chart as Image

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

Auto insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,300 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Cadillac STS insurance prices. A good driver about age 40 could pay as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,430 on average in Florida, New York, 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

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices will be substantially different between companies.

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 Buy Cheap Cadillac STS Insurance

Finding better rates on car insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates once a year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief summary of the data that was covered in the charts and tables above.

  • It is possible to save approximately $120 per year simply by quoting online in advance
  • Policyholders who want an increased level of liability coverage will pay approximately $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers age 16 to 20 are the costliest to insure, with premiums being up to $339 per month if full coverage is included
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,220 more annually than a safer driver

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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