Cadillac STS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

Advertiser Disclosure

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.

Average auto insurance rates for a Cadillac STS are $1,158 annually for full coverage. Comprehensive insurance costs around $244, collision costs $372, and liability costs $406. Buying just liability costs as little as $450 a year, with insurance for high-risk drivers costing $2,492 or more. Teens receive the highest rates at $4,376 a year or more.

Average premium for full coverage: $1,158

Rate estimates for individual coverage type:

Comprehensive $244
Collision $372
Liability $406

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different STS trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $450 for just liability coverage to a much higher rate of $2,492 for a driver who has had serious violations or accidents.

Liability Only $450
Full Coverage $1,158
High Risk $2,492

Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $869
Small Cities $1,216
Large Cities $1,563

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using 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.

Detailed Rate Analysis

The chart below shows estimated Cadillac STS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $678
  • Drivers who choose higher $1,000 deductibles will pay about $140 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,158
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $268 every year
  • Higher-risk drivers with serious driving violations could pay at least $2,492 or more
  • The cost with full coverage for a teen driver with full coverage can be $4,376 a year

View Chart as Image

Cadillac STS insurance cost comparison chart
Column chart showing full coverage Cadillac STS insurance prices range from $678 to $4,376

Auto insurance rates for a Cadillac STS can also vary considerably based on the trim level of your STS, your driver profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $410 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $366 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Cadillac STS insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,650 on average in Michigan, Louisiana, and New York.

Cadillac STS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,044 -$114 -9.8%
Alaska $888 -$270 -23.3%
Arizona $958 -$200 -17.3%
Arkansas $1,158 -$0 0.0%
California $1,318 $160 13.8%
Colorado $1,102 -$56 -4.8%
Connecticut $1,186 $28 2.4%
Delaware $1,308 $150 13.0%
Florida $1,444 $286 24.7%
Georgia $1,070 -$88 -7.6%
Hawaii $832 -$326 -28.2%
Idaho $784 -$374 -32.3%
Illinois $860 -$298 -25.7%
Indiana $872 -$286 -24.7%
Iowa $778 -$380 -32.8%
Kansas $1,098 -$60 -5.2%
Kentucky $1,576 $418 36.1%
Louisiana $1,712 $554 47.8%
Maine $714 -$444 -38.3%
Maryland $954 -$204 -17.6%
Massachusetts $920 -$238 -20.6%
Michigan $2,008 $850 73.4%
Minnesota $968 -$190 -16.4%
Mississippi $1,384 $226 19.5%
Missouri $1,026 -$132 -11.4%
Montana $1,242 $84 7.3%
Nebraska $910 -$248 -21.4%
Nevada $1,386 $228 19.7%
New Hampshire $834 -$324 -28.0%
New Jersey $1,292 $134 11.6%
New Mexico $1,022 -$136 -11.7%
New York $1,218 $60 5.2%
North Carolina $666 -$492 -42.5%
North Dakota $948 -$210 -18.1%
Ohio $796 -$362 -31.3%
Oklahoma $1,186 $28 2.4%
Oregon $1,060 -$98 -8.5%
Pennsylvania $1,100 -$58 -5.0%
Rhode Island $1,544 $386 33.3%
South Carolina $1,048 -$110 -9.5%
South Dakota $976 -$182 -15.7%
Tennessee $1,014 -$144 -12.4%
Texas $1,394 $236 20.4%
Utah $854 -$304 -26.3%
Vermont $790 -$368 -31.8%
Virginia $692 -$466 -40.2%
Washington $892 -$266 -23.0%
West Virginia $1,060 -$98 -8.5%
Wisconsin $798 -$360 -31.1%
Wyoming $1,030 -$128 -11.1%

View Chart as Image

Cadillac STS insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to compare rates and see which company has the best rate. Every company calculates rates differently, and quoted rates can be significantly different between companies.

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 $1,112 $93
Cadillac STS V6 AWD 4-Dr Sedan $1,112 $93
Cadillac STS V6 4-Dr Sedan $1,136 $95
Cadillac STS V6 AWD 4-Dr Sedan $1,136 $95
Cadillac STS V6 4-Dr Sedan $1,158 $97
Cadillac STS V6 AWD 4-Dr Sedan $1,158 $97
Cadillac STS V8 4-Dr Sedan $1,158 $97
Cadillac STS V8 4-Dr Sedan $1,158 $97
Cadillac STS V8 AWD 4-Dr Sedan $1,158 $97
Cadillac STS V8 4-Dr Sedan $1,202 $100
Cadillac STS V8 AWD 4-Dr Sedan $1,224 $102

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 $244 $372 $406 $1,158
2010 Cadillac STS $228 $340 $402 $1,106
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 More Affordable Cadillac STS Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a summary of the ideas that were presented in the illustrations above.

  • Teenage drivers are expensive to insure, costing as high as $365 per month if full coverage is included
  • Higher risk drivers who have multiple accidents or major violations pay an average of $1,330 more every year for auto insurance
  • Increasing deductibles could save up to $400 each year
  • Drivers can save up to $140 per year simply by shopping early and online

Rates by Driver Age

Cadillac STS Insurance Rates by Driver Age
Driver Age Premium
16 $4,376
20 $2,640
30 $1,198
40 $1,158
50 $1,060
60 $1,038

Full coverage, $500 deductibles

Rates by Deductible

Cadillac STS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,426
$250 $1,302
$500 $1,158
$1,000 $1,018

Full coverage, driver age 40

Rates by Liability Limit

Cadillac STS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,158
50/100 $1,305
100/300 $1,407
250/500 $1,671
100 CSL $1,346
300 CSL $1,569
500 CSL $1,732

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac STS Insurance Rates for High Risk Drivers
Age Premium
16 $6,224
20 $4,204
30 $2,538
40 $2,492
50 $2,376
60 $2,352

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 $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $61
Homeowner $18
5-yr Accident Free $80
5-yr Claim Free $74
Paid in Full/EFT $49
Advance Quote $55
Online Quote $82
Total Discounts $480
Rate after discounts $678

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles