Cadillac STS V6 4-Dr Sedan Insurance Rates

The average insurance prices for a Cadillac STS V6 4-Dr Sedan are $1,618 every 12 months with full coverage. Comprehensive insurance costs on average $410 a year, collision costs $762, and liability coverage costs $310. A liability-only policy costs as little as $370 a year, with high-risk insurance costing $3,494 or more. Teenage drivers cost the most to insure at $5,690 a year or more.

Annual premium for full coverage: $1,618

Policy rates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Cadillac STS Trim Level

These price differences demonstrate why it is important for drivers to compare rates based on a specific location and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Cadillac STS V6 4-Dr Sedan also range considerably based on liability limits and deductibles, your driving record, and the model year of your STS.

Using high physical damage deductibles could save up to $790 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac STS V6 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

The chart above shows Cadillac STS V6 4-Dr Sedan insurance rates for different coverage choices and risks. The cheapest rate with discounts is $903. Drivers who use higher $1,000 deductibles will pay $1,352. The average rate for a 40-year-old male driver using $500 deductibles is $1,618. Choosing low $100 deductibles for comp and collision coverage can cost as much as $2,134. Drivers with multiple violations and accidents could be charged around $3,494. The cost for full coverage for a teen driver is $5,690.

View Chart as Image