Cadillac STS Insurance Rates

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UPDATED: May 11, 2024

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The average insurance rates for a Cadillac STS are $1,106 a year including full coverage. Comprehensive insurance costs an estimated $228, collision insurance costs $340, and liability coverage is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs $2,380 or more. Teens cost the most to insure at up to $4,210 a year.

Average premium for full coverage: $1,106

Policy rates broken down by type of insurance:

Comprehensive $228
Collision $340
Liability $402

Price estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different STS trim levels.

Price Range Variability

For the average driver, Cadillac STS insurance rates range from as low as $446 for liability-only coverage to a much higher rate of $2,380 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than 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.

Additional Charts and Tables

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

  • The cheapest rate after discounts is $650
  • Raising to $1,000 deductibles will save approximately $130 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,106
  • Selecting more expensive low deductibles will cost an extra $248 each year
  • Unlucky drivers with serious driving violations could pay up to $2,380
  • Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,210

View Chart as Image

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

Insurance rates for a Cadillac STS also range considerably based on your risk profile, the model of your STS, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

Your home state also has a big influence on Cadillac STS insurance rates. A middle-age driver might find rates as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,580 on average in Louisiana, New York, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

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 Find Cheaper Cadillac STS Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the data that was touched on above.

  • You may be able to save approximately $130 per year just by shopping early and online
  • Consumers who want higher liability limits will pay approximately $440 per year to raise from a 30/60 limit to 250/500 limits
  • Teens are expensive to insure, with premiums being up to $351 each month including comprehensive and collision insurance
  • Drivers with multiple at-fault accidents may pay on average $1,270 more annually for STS insurance

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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