Cadillac STS Insurance Rates
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UPDATED: May 11, 2022
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Estimated insurance rates for a Cadillac STS are $978 a year including full coverage. Comprehensive costs approximately $200 a year, collision costs $258, and liability insurance is $384. Liability-only insurance costs around $432 a year, with high-risk driver insurance costing around $2,090. Teens pay the most at $3,760 a year or more.
Average premium for full coverage: $978
Premium estimates by type of coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and STS trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac STS go from as low as $432 for liability-only coverage to a high of $2,090 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why it is important to compare rates quotes using their specific location and risk profile, rather than relying on 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 estimated Cadillac STS insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $587
- Raising to $1,000 deductibles will save $874 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $978
- Selecting low $100 deductibles will increase the cost to $1,176
- Higher-risk drivers with serious driving violations could pay around $2,090 or more
- An auto insurance policy for full coverage for a teen driver can cost $3,760
Insurance prices for a Cadillac STS also have a wide range based on your driving characteristics, the model of your STS, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac STS insurance rates. A middle-age driver might find prices as low as $750 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,400 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $310 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 125% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Cadillac STS V6 4-Dr Sedan||$946||$79|
|Cadillac STS V6 AWD 4-Dr Sedan||$946||$79|
|Cadillac STS V6 4-Dr Sedan||$962||$80|
|Cadillac STS V6 AWD 4-Dr Sedan||$962||$80|
|Cadillac STS V6 4-Dr Sedan||$978||$82|
|Cadillac STS V6 AWD 4-Dr Sedan||$978||$82|
|Cadillac STS V8 4-Dr Sedan||$978||$82|
|Cadillac STS V8 4-Dr Sedan||$978||$82|
|Cadillac STS V8 AWD 4-Dr Sedan||$978||$82|
|Cadillac STS V8 4-Dr Sedan||$1,012||$84|
|Cadillac STS V8 AWD 4-Dr Sedan||$1,028||$86|
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||$214||$308||$402||$1,060|
|2007 Cadillac STS||$208||$278||$398||$1,020|
|2006 Cadillac STS||$204||$270||$390||$1,000|
|2005 Cadillac STS||$200||$258||$384||$978|
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 the Best Cheap Cadillac STS Insurance
Finding better rates on Cadillac STS insurance consists of having a good driving record, having a good credit history, refrain from filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a quick review of the data covered above.
- Drivers who purchase increased levels of liability coverage will pay approximately $420 per year to raise from 30/60 bodily injury limits to 250/500 limits
- You may be able to save around $110 per year simply by quoting early and online
- Increasing policy deductibles can save around $300 each year
- Drivers age 20 and younger are the costliest to insure, with the cost nearing $313 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$63|
|5-yr Claim Free||$61|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.