Cadillac STS Insurance Rates
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UPDATED: May 11, 2024
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Estimated insurance rates for a Cadillac STS are $1,106 a year with full coverage. Comprehensive costs around $228 a year, collision insurance costs $340, and liability insurance is $402. A policy with only liability insurance costs around $446 a year, and a high-risk policy costs around $2,380. Teenage drivers pay the most at up to $4,210 a year.
Average premium for full coverage: $1,106
Premium estimates for type of coverage:
Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and STS trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac STS range from the low end price of $446 for your basic liability-only policy to a high of $2,380 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why it is important to compare rates quotes for a specific zip code, rather than relying on average rates.
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.
More Rate Information
The chart below details average Cadillac STS insurance rates for additional coverage choices and driver risks.
- The best discount rate is $650
- Raising to $1,000 deductibles will save about $976 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,106
- Using low $100 deductibles bumps up the cost to $1,354
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,380
- An auto insurance policy that insures a teen driver can be $4,210
Car insurance prices for a Cadillac STS also have a wide range based on the trim level of your STS, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,200 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 $800 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,490 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $380 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 better rates on Cadillac STS insurance consists of being a safe and courteous driver, having a positive credit history, being claim-free, and consideration of higher deductibles. Compare prices every time your policy renews by getting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a condensed summary of the information touched on in this article.
- You may be able to save up to $130 per year just by quoting early and online
- Teenage drivers are the costliest to insure, possibly costing $351 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $375 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,270 more every year for auto insurance
- Drivers who may need higher levels of liability will pay an extra $440 every year to raise from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,354 |
| $250 | $1,240 |
| $500 | $1,106 |
| $1,000 | $976 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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