Cadillac STS Insurance Rates

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How Much Does 2010 Cadillac STS Insurance Cost in 2025?

Searching for the cheapest insurance coverage rates? Consumers have a choice when looking for affordable Cadillac STS insurance. You can either waste hours struggling with agents to compare prices or use the internet to make rate comparisons. There is a better way to shop for insurance coverage so you're going to learn the best way to price shop coverage for a new or used Cadillac and find the che...

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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...

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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 including full coverage. Comprehensive costs on average $228, collision insurance costs $340, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs around $2,380. Teen drivers pay the highest rates at up to $4,210 a year.

Average premium for full coverage: $1,106

Price estimates by individual coverage:

Comprehensive $228
Collision $340
Liability $402

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all STS models.

Price Range from Low to High

For an average driver, Cadillac STS insurance prices range from the cheapest price of $446 for your basic liability-only policy to the much higher price of $2,380 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

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

The ranges above highlight why everyone should compare rates based on a specific location and their own driving history, rather than relying on price averages.

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.

More Rate Information

The chart below breaks down average Cadillac STS insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $650
  • Drivers who choose higher $1,000 deductibles will pay around $130 every year
  • The average price for the average middle-age driver with $500 deductibles is $1,106
  • Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,354
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,380
  • The price to insure a teen driver for full coverage may cost $4,210 a year

View Chart as Image

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

Car insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your STS.

Choosing high deductibles could save up to $380 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,800 extra each year, depending on your age. Cadillac STS insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,580 on average in Michigan, New York, and Louisiana.

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

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 Cheap Cadillac STS Insurance

Getting lower rates on Cadillac STS insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the concepts that were covered in the above illustrations.

  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,270 more each year than a low-risk driver
  • Youthful drivers are expensive to insure, possibly costing $351 a month if the policy includes full coverage
  • You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $375 each year
  • You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date

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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