Cadillac STS Insurance Rates

Estimated insurance rates for a Cadillac STS are $1,158 a year for full coverage insurance. Comprehensive insurance costs on average $244 a year, collision costs $372, and liability insurance is estimated at $406. Liability-only insurance costs approximately $450 a year, with high-risk driver insurance costing $2,492 or more. Teenage drivers pay the most at $4,376 a year or more.

Average premium for full coverage: $1,158

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why it is important to get quotes based on a specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save around $1,018 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,158
• Using low $100 deductibles for comp and collision coverage will cost an additional $268 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,492 or more
• An auto insurance policy that insures a teen driver may cost $4,376 each year

View Chart as Image

Insurance prices for a Cadillac STS also have a wide range based on the trim level of your STS, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Cadillac STS insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,560 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $410 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.

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

Finding better rates on Cadillac STS insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every other policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the ideas that were covered in the above illustrations.

• Teen drivers pay higher prices, with premiums being up to $365 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may pay on average $1,330 more each year to insure their STS
• Increasing policy deductibles can save approximately $400 each year
• It is possible to save as much as $140 per year simply by quoting early and online