Cadillac STS Insurance Rates
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Dani Best
Licensed Insurance Producer
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...
Licensed Insurance Producer
UPDATED: May 11, 2024
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Estimated auto insurance rates for a Cadillac STS are $1,106 annually for full coverage insurance. Comprehensive insurance costs approximately $228, collision insurance costs $340, and liability is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs $2,380 or more. Teens pay the most at up to $4,210 a year.
Average premium for full coverage: $1,106
Premium estimates by type of coverage:
Includes $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different STS trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac STS range from as cheap as $446 for a discount liability-only rate to a much higher rate of $2,380 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below illustrates average Cadillac STS insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $650
- Choosing higher $1,000 deductibles can save $130 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,106
- Selecting more expensive low deductibles for comp and collision coverage costs an additional $248 annually
- Higher-risk drivers with serious driving violations could pay around $2,380
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $4,210 each year
Car insurance prices for a Cadillac STS also have a wide range based on the model of your STS, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as low 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 be charged in the ballpark of $4,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $380 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. 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 $720 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,490 on average in Florida, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Cheapest Cadillac STS Insurance
Finding better rates on insurance for a Cadillac STS takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to compare rates once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a recap of the data that was covered above.
- It is possible to save around $130 per year just by shopping early and online
- Insureds who purchase higher liability limits will pay approximately $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Teens pay the highest auto insurance prices, with premiums being up to $351 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,270 more per year for STS insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,354 |
| $250 | $1,240 |
| $500 | $1,106 |
| $1,000 | $976 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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