Cadillac STS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 11, 2024
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Average insurance rates for a Cadillac STS are $1,060 a year for full coverage insurance. Comprehensive costs approximately $214, collision costs $308, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $2,280. Teens receive the highest rates at $4,066 a year or more.
Average premium for full coverage: $1,060
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all STS models.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $446 for a discount liability-only rate to the much higher price of $2,280 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate why everyone should compare rates quotes using their specific location and risk profile, 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 estimated Cadillac STS insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $627
- Raising to $1,000 deductibles will save $120 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,060
- Selecting pricier low deductibles will increase the cost to $1,288
- Drivers with serious driving violations could pay around $2,280 or more
- The cost for full coverage for a 16-year-old driver for full coverage can cost $4,066
Insurance rates for a Cadillac STS can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
Where you live also has a big influence on Cadillac STS insurance prices. A middle-age driver might find rates as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,430 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $958 | -$102 | -9.6% |
| Alaska | $812 | -$248 | -23.4% |
| Arizona | $880 | -$180 | -17.0% |
| Arkansas | $1,060 | -$0 | 0.0% |
| California | $1,208 | $148 | 14.0% |
| Colorado | $1,010 | -$50 | -4.7% |
| Connecticut | $1,088 | $28 | 2.6% |
| Delaware | $1,196 | $136 | 12.8% |
| Florida | $1,324 | $264 | 24.9% |
| Georgia | $980 | -$80 | -7.5% |
| Hawaii | $762 | -$298 | -28.1% |
| Idaho | $716 | -$344 | -32.5% |
| Illinois | $790 | -$270 | -25.5% |
| Indiana | $800 | -$260 | -24.5% |
| Iowa | $714 | -$346 | -32.6% |
| Kansas | $1,006 | -$54 | -5.1% |
| Kentucky | $1,444 | $384 | 36.2% |
| Louisiana | $1,568 | $508 | 47.9% |
| Maine | $654 | -$406 | -38.3% |
| Maryland | $874 | -$186 | -17.5% |
| Massachusetts | $844 | -$216 | -20.4% |
| Michigan | $1,840 | $780 | 73.6% |
| Minnesota | $888 | -$172 | -16.2% |
| Mississippi | $1,270 | $210 | 19.8% |
| Missouri | $940 | -$120 | -11.3% |
| Montana | $1,138 | $78 | 7.4% |
| Nebraska | $834 | -$226 | -21.3% |
| Nevada | $1,270 | $210 | 19.8% |
| New Hampshire | $764 | -$296 | -27.9% |
| New Jersey | $1,184 | $124 | 11.7% |
| New Mexico | $938 | -$122 | -11.5% |
| New York | $1,116 | $56 | 5.3% |
| North Carolina | $612 | -$448 | -42.3% |
| North Dakota | $870 | -$190 | -17.9% |
| Ohio | $730 | -$330 | -31.1% |
| Oklahoma | $1,086 | $26 | 2.5% |
| Oregon | $970 | -$90 | -8.5% |
| Pennsylvania | $1,010 | -$50 | -4.7% |
| Rhode Island | $1,414 | $354 | 33.4% |
| South Carolina | $962 | -$98 | -9.2% |
| South Dakota | $894 | -$166 | -15.7% |
| Tennessee | $928 | -$132 | -12.5% |
| Texas | $1,278 | $218 | 20.6% |
| Utah | $784 | -$276 | -26.0% |
| Vermont | $722 | -$338 | -31.9% |
| Virginia | $634 | -$426 | -40.2% |
| Washington | $818 | -$242 | -22.8% |
| West Virginia | $970 | -$90 | -8.5% |
| Wisconsin | $732 | -$328 | -30.9% |
| Wyoming | $942 | -$118 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,300 to $1,800 additional per year, depending on your age. Cadillac STS insurance for high-risk drivers is expensive and can cost from 44% to 137% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac STS V6 4-Dr Sedan | $1,022 | $85 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,022 | $85 |
| Cadillac STS V6 4-Dr Sedan | $1,042 | $87 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,042 | $87 |
| Cadillac STS V6 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,060 | $88 |
| Cadillac STS V8 4-Dr Sedan | $1,098 | $92 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,116 | $93 |
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 | $214 | $308 | $402 | $1,060 |
| 2010 Cadillac STS | $208 | $278 | $398 | $1,020 |
| 2008 Cadillac STS | $200 | $258 | $384 | $978 |
| 2007 Cadillac STS | $184 | $246 | $380 | $946 |
| 2006 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 the Right Cadillac STS Insurance
Saving money on insurance for a Cadillac STS consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following list is a quick rundown of the material that was covered in the above illustrations.
- Insureds who purchase an increased level of liability coverage will pay approximately $440 annually to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, costing up to $339 per month including comprehensive and collision insurance
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,220 more per year than a safer driver
- Increasing deductibles can save around $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,066 |
| 20 | $2,416 |
| 30 | $1,094 |
| 40 | $1,060 |
| 50 | $972 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,288 |
| $250 | $1,184 |
| $500 | $1,060 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,060 |
| 50/100 | $1,196 |
| 100/300 | $1,297 |
| 250/500 | $1,558 |
| 100 CSL | $1,237 |
| 300 CSL | $1,458 |
| 500 CSL | $1,619 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,770 |
| 20 | $3,846 |
| 30 | $2,316 |
| 40 | $2,280 |
| 50 | $2,174 |
| 60 | $2,154 |
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 | $55 |
| Multi-vehicle | $56 |
| Homeowner | $17 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $43 |
| Advance Quote | $49 |
| Online Quote | $74 |
| Total Discounts | $433 |
Discounts are estimated and may not be available from every company or in every state.
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