Cadillac STS Insurance Rates

Estimated insurance prices for a Cadillac STS are $1,106 every 12 months for full coverage insurance. Comprehensive costs approximately $228 a year, collision costs $340, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing around $2,380. Teen drivers pay the most at $4,210 a year or more.

Average premium for full coverage: $1,106

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and STS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

These rate differences illustrate why it is important to compare rates using their specific location and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Cadillac STS insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $650
• Drivers who choose higher $1,000 deductibles will pay $976 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,106
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,354
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,380 or more
• An auto insurance policy to insure a teenage driver can cost $4,210 a year

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Insurance prices for a Cadillac STS also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your STS.

Choosing high deductibles could save up to $380 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,800 additional annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $720 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,490 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Every company uses a different rate calculation, and prices will be substantially different.

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 the Right Cadillac STS Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the car insurance concepts illustrated above.

• Drivers with reckless driving or DUI convictions may have to pay on average $1,270 more per year than a safer driver
• It is possible to save around $130 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $375 each year
• Consumers who purchase an increased level of liability coverage will pay about $440 annually to go from 30/60 bodily injury limits to a 250/500 level