Cadillac STS Insurance Rates

The average insurance rates for a Cadillac STS are $1,106 a year for full coverage. Comprehensive costs on average $228 a year, collision costs $340, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing around $2,380. Teenage drivers cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and STS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare prices based on a specific location, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated Cadillac STS insurance rates for different risk profiles and scenarios.

• The best discount rate is $650
• Using higher $1,000 deductibles will save around $976 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,106
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,354
• Drivers who are prone to accidents and violations could pay upwards of $2,380 or more
• Policy cost that insures a teen driver may cost $4,210 or more

View Chart as Image

Insurance rates for a Cadillac STS also range considerably based on the trim level of your STS, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age

Your home state has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see rates as low as $730 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,580 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $380 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Each insurance 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 Find More Affordable Cadillac STS Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare prices every time your policy renews by getting price quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a summary of the information illustrated above.

• Drivers can save as much as $130 per year simply by quoting early and online
• Teen drivers pay the highest rates, costing up to $351 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,270 more each year to insure their STS
• Policyholders who require more liability coverage will pay an extra $440 each year to increase from a 30/60 limit to the 250/500 level