Cadillac STS Insurance Rates

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How Much Does 2010 Cadillac STS Insurance Cost in 2025?

Searching for the cheapest insurance coverage rates? Consumers have a choice when looking for affordable Cadillac STS insurance. You can either waste hours struggling with agents to compare prices or use the internet to make rate comparisons. There is a better way to shop for insurance coverage so you're going to learn the best way to price shop coverage for a new or used Cadillac and find the che...

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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...

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UPDATED: May 11, 2024

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Average insurance rates for a Cadillac STS are $1,106 a year including full coverage. Comprehensive insurance costs on average $228, collision insurance costs $340, and liability costs around $402. Buying just liability costs as low as $446 a year, and insurance for high-risk drivers costs $2,380 or more. Teens receive the highest rates at up to $4,210 a year.

Average premium for full coverage: $1,106

Rate estimates by individual coverage type:

Comprehensive $228
Collision $340
Liability $402

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different STS trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $446 for minimum levels of liability insurance to a much higher rate of $2,380 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $1,106
High Risk $2,380

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $830
Small Cities $1,161
Large Cities $1,493

These examples highlight why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on 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.

Additional Rate Details

The chart below breaks down average Cadillac STS insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $650
  • Using higher $1,000 deductibles will save around $130 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,106
  • Selecting more expensive low deductibles for physical damage coverage will cost an additional $248 annually
  • High-risk insureds with serious driving violations could pay upwards of $2,380
  • The cost that insures a 16-year-old driver with full coverage may cost $4,210 or more

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing Cadillac STS insurance prices range from $650 to $4,210 for full coverage

Auto insurance rates for a Cadillac STS can also vary considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,200 a year. View Rates by Age

Where you live has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,580 on average in Michigan, New York, and Louisiana.

Cadillac STS Insurance Rates by State
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%

View Chart as Image

Cadillac STS insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

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 $1,064 $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.

Cadillac STS Insurance Rates by Model Year
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 Find Cheap Cadillac STS Insurance

Saving money on insurance for a Cadillac STS requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the data that was covered above.

  • You may be able to save as much as $130 per year just by shopping early and online
  • Insureds who require increased liability limits will pay approximately $440 per year to increase from a minimum limit to the 250/500 level
  • Drivers under the age of 20 are charged the highest rates, as much as $351 per month if the policy includes full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,270 more each year to insure a Cadillac STS

Rates by Driver Age

Cadillac STS Insurance 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

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,354
$250 $1,240
$500 $1,106
$1,000 $976

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
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

Cadillac STS Insurance 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.

SR-22 Surcharge $151

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
Rate after discounts $650

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

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