Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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U.S. average insurance prices for a Cadillac STS are $1,106 every 12 months for full coverage insurance. Comprehensive insurance costs around $228 each year, collision costs $340, and liability coverage is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing $2,380 or more. Teenage drivers pay the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Price estimates for individual coverage:

Comprehensive $228
Collision $340
Liability $402

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and STS models.

Price Range from Low to High

For a 40-year-old driver, Cadillac STS insurance prices go from the cheapest price of $446 for just liability coverage to a high rate of $2,380 for a driver that may need high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

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

The ranges above illustrate why all drivers should compare rates quotes 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The best discount rate is $650
  • Raising to $1,000 deductibles will save about $130 each year
  • The average price for the average middle-age driver using $500 deductibles is $1,106
  • Using low deductibles costs an extra $248 each year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,380 or more
  • The price to insure a teenage driver can be $4,210

View Chart as Image

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

Insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $380 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,300 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Cadillac STS insurance rates. A middle-age driver might find prices as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,490 on average in Michigan, New York, and Florida.

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

Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

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 Shop for Cheaper Cadillac STS Insurance

Getting lower rates on auto insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the data that was illustrated above.

  • It is possible to save up to $130 per year simply by quoting online in advance
  • Consumers who may need more liability protection will pay an extra $440 annually to raise from a low limit to a 250/500 level
  • Youthful drivers are charged the highest prices, as much as $351 a month if full coverage is included
  • Drivers with multiple at-fault accidents may pay on average $1,270 more every year than a low-risk driver

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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