Cadillac STS Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 5, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Cadillac STS are $946 annually including full coverage. Comprehensive costs an estimated $184 each year, collision insurance costs $246, and liability costs around $380. A policy with just liability insurance costs as low as $428 a year, and coverage for high-risk drivers costs around $2,022. Teenage drivers pay the highest rates at up to $3,670 a year.
Average premium for full coverage: $946
Price estimates broken down by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and STS models.
Price Range from Low to High
For an average driver, Cadillac STS insurance prices range from as cheap as $428 for your basic liability-only policy to a high rate of $2,022 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
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 other coverage scenarios.
- The best discount rate is $569
- Using higher $1,000 deductibles will save approximately $98 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $946
- Using low deductibles for physical damage coverage will cost $1,132
- High-risk insureds who are prone to accidents and violations could pay up to $2,022
- The price with full coverage for a 16-year-old driver can cost as much as $3,670 or more
Insurance prices for a Cadillac STS are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $3,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $290 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $342 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see prices as low as $730 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,350 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$92 | -9.7% |
| Alaska | $724 | -$222 | -23.5% |
| Arizona | $784 | -$162 | -17.1% |
| Arkansas | $946 | -$0 | 0.0% |
| California | $1,076 | $130 | 13.7% |
| Colorado | $900 | -$46 | -4.9% |
| Connecticut | $968 | $22 | 2.3% |
| Delaware | $1,068 | $122 | 12.9% |
| Florida | $1,178 | $232 | 24.5% |
| Georgia | $872 | -$74 | -7.8% |
| Hawaii | $678 | -$268 | -28.3% |
| Idaho | $640 | -$306 | -32.3% |
| Illinois | $702 | -$244 | -25.8% |
| Indiana | $712 | -$234 | -24.7% |
| Iowa | $636 | -$310 | -32.8% |
| Kansas | $896 | -$50 | -5.3% |
| Kentucky | $1,286 | $340 | 35.9% |
| Louisiana | $1,398 | $452 | 47.8% |
| Maine | $584 | -$362 | -38.3% |
| Maryland | $780 | -$166 | -17.5% |
| Massachusetts | $752 | -$194 | -20.5% |
| Michigan | $1,640 | $694 | 73.4% |
| Minnesota | $792 | -$154 | -16.3% |
| Mississippi | $1,130 | $184 | 19.5% |
| Missouri | $840 | -$106 | -11.2% |
| Montana | $1,014 | $68 | 7.2% |
| Nebraska | $744 | -$202 | -21.4% |
| Nevada | $1,132 | $186 | 19.7% |
| New Hampshire | $680 | -$266 | -28.1% |
| New Jersey | $1,056 | $110 | 11.6% |
| New Mexico | $834 | -$112 | -11.8% |
| New York | $994 | $48 | 5.1% |
| North Carolina | $544 | -$402 | -42.5% |
| North Dakota | $772 | -$174 | -18.4% |
| Ohio | $650 | -$296 | -31.3% |
| Oklahoma | $968 | $22 | 2.3% |
| Oregon | $864 | -$82 | -8.7% |
| Pennsylvania | $900 | -$46 | -4.9% |
| Rhode Island | $1,260 | $314 | 33.2% |
| South Carolina | $856 | -$90 | -9.5% |
| South Dakota | $798 | -$148 | -15.6% |
| Tennessee | $824 | -$122 | -12.9% |
| Texas | $1,140 | $194 | 20.5% |
| Utah | $700 | -$246 | -26.0% |
| Vermont | $646 | -$300 | -31.7% |
| Virginia | $566 | -$380 | -40.2% |
| Washington | $730 | -$216 | -22.8% |
| West Virginia | $866 | -$80 | -8.5% |
| Wisconsin | $652 | -$294 | -31.1% |
| Wyoming | $840 | -$106 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac STS V6 4-Dr Sedan | $914 | $76 |
| Cadillac STS V6 AWD 4-Dr Sedan | $914 | $76 |
| Cadillac STS V6 4-Dr Sedan | $930 | $78 |
| Cadillac STS V6 AWD 4-Dr Sedan | $930 | $78 |
| Cadillac STS V6 4-Dr Sedan | $946 | $79 |
| Cadillac STS V6 AWD 4-Dr Sedan | $946 | $79 |
| Cadillac STS V8 4-Dr Sedan | $946 | $79 |
| Cadillac STS V8 4-Dr Sedan | $946 | $79 |
| Cadillac STS V8 AWD 4-Dr Sedan | $946 | $79 |
| Cadillac STS V8 4-Dr Sedan | $976 | $81 |
| Cadillac STS V8 AWD 4-Dr Sedan | $992 | $83 |
Rates assume 2005 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 |
|---|---|---|---|---|
| 2008 Cadillac STS | $208 | $278 | $398 | $1,020 |
| 2007 Cadillac STS | $204 | $270 | $390 | $1,000 |
| 2006 Cadillac STS | $200 | $258 | $384 | $978 |
| 2005 Cadillac STS | $184 | $246 | $380 | $946 |
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 Best Cadillac STS Insurance
Getting lower rates on insurance for a Cadillac STS requires having a decent driving record, having a good credit history, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a brief recap of the data covered in the above illustrations.
- Insureds who want additional liability coverage will pay an extra $420 per year to increase from a low limit to higher 250/500 limits
- You may be able to save approximately $110 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $275 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $306 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,670 |
| 20 | $2,146 |
| 30 | $968 |
| 40 | $946 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,132 |
| $250 | $1,046 |
| $500 | $946 |
| $1,000 | $848 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $946 |
| 50/100 | $1,068 |
| 100/300 | $1,163 |
| 250/500 | $1,410 |
| 100 CSL | $1,106 |
| 300 CSL | $1,315 |
| 500 CSL | $1,467 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,188 |
| 20 | $3,414 |
| 30 | $2,050 |
| 40 | $2,022 |
| 50 | $1,930 |
| 60 | $1,910 |
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 | $49 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $60 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $37 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $377 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption