Cadillac STS Insurance Rates

The average insurance prices for a Cadillac STS are $1,106 every 12 months including full coverage. Comprehensive insurance costs an estimated $228, collision costs $340, and liability coverage costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,380 or more. Teenage drivers cost the most to insure at $4,210 a year or more.

Average premium for full coverage: $1,106

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all STS models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

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

The examples above highlight why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Cadillac STS insurance rates for other coverage scenarios.

• The best discount rate is $650
• Using higher $1,000 deductibles will save approximately $130 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,106
• Using pricier low deductibles for physical damage coverage costs an extra $248 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,380 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $4,210 or more

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Car insurance rates for a Cadillac STS also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $380 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $4,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,300 to $1,800 extra every year, depending on your age. Cadillac STS insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac STS insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,580 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for Affordable Cadillac STS Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the information covered above.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Youthful drivers have the highest car insurance rates, with premiums being up to $351 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,270 more annually than a low-risk driver
• Consumers who want more liability protection will pay an extra $440 per year to increase from a 30/60 limit to a 250/500 level