Cadillac STS Insurance Rates

Estimated insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive costs an estimated $214, collision costs $308, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing around $2,280. Teenage drivers 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:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates 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 shows estimated Cadillac STS insurance rates for other coverage scenarios.

• The best discount rate is $627
• Drivers who choose higher $1,000 deductibles will pay approximately $120 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,060
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,288
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,280 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,066 a year

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Insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the trim level of your STS, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac STS insurance prices. A 40-year-old driver could pay as low as $700 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,510 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles could save up to $350 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can cost as much as 44% to 137% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially 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 the Right Cadillac STS Insurance

Finding better rates on car insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a quick rundown of the primary concepts that were covered above.

• Drivers can save approximately $120 per year simply by shopping early and online
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,220 more annually to buy Cadillac STS insurance
• Increasing policy deductibles can save around $350 each year
• Drivers age 20 and younger are charged the highest prices, as much as $339 per month for full coverage