Cadillac STS Insurance Rates

The average insurance prices for a Cadillac STS are $1,060 every 12 months including full coverage. Comprehensive insurance costs around $214 a year, collision costs $308, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $2,280 or more. Teenage drivers cost the most to insure at $4,066 a year or more.

Average premium for full coverage: $1,060

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Cadillac STS insurance rates for additional coverage choices and driver risks.

• The best discount rate is $627
• Drivers who choose higher $1,000 deductibles will pay about $940 every year
• The average price for a good driver age 40 using $500 deductibles is $1,060
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $228 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,280 or more
• Policy cost to insure a teenage driver can be $4,066 a year

View Chart as Image

Insurance rates for a Cadillac STS also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could save up to $350 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,510 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Affordable Cadillac STS Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief review of the material that was touched on in the above illustrations.

• Consumers who may need higher liability limits will pay an extra $440 per year to go from a 30/60 limit to a 250/500 level
• Teenagers pay higher rates, with premiums being up to $339 each month if they have full coverage
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,220 more every year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $350 each year