Cadillac STS Insurance Rates

U.S. average insurance rates for a Cadillac STS are $1,060 a year for full coverage. Comprehensive costs approximately $214 each year, collision costs $308, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,280. Teenage drivers pay the highest rates at $4,066 a year or more.

Average premium for full coverage: $1,060

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $627
• Using higher $1,000 deductibles will save $120 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,060
• Using low deductibles for physical damage coverage will increase the cost to $1,288
• Drivers who are prone to accidents and violations could pay around $2,280 or more
• The price for full coverage for a teen driver can cost $4,066 or more

View Chart as Image

Insurance prices for a Cadillac STS are also quite variable based on your driving record, the trim level of your STS, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see prices as low as $700 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,510 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $350 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 the Best Cadillac STS Insurance

Getting lower rates on Cadillac STS insurance requires not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief recap of the primary concepts that were covered above.

• Drivers can save around $120 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations may pay on average $1,220 more per year for STS insurance
• Increasing physical damage deductibles can save around $350 each year
• Teens are expensive to insure, with premiums as much as $339 a month for full coverage