Cadillac STS Insurance Rates
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UPDATED: May 11, 2024
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U.S. average insurance rates for a Cadillac STS are $1,158 a year including full coverage. Comprehensive insurance costs on average $244 a year, collision costs $372, and liability costs around $406. Liability-only insurance costs as low as $450 a year, with high-risk driver insurance costing $2,492 or more. Teen drivers pay the highest rates at $4,376 a year or more.
Average premium for full coverage: $1,158
Price estimates by individual coverage:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and STS trim levels.
Price Range from Low to High
For the average 40-year-old driver, Cadillac STS insurance prices go from as low as $450 for just the minimum liability insurance to a high of $2,492 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.
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 Rate Analysis
The chart below breaks down estimated Cadillac STS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $678
- Using higher $1,000 deductibles will save around $1,018 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,158
- Choosing low $100 deductibles for physical damage coverage will cost an extra $268 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,492 or more
- The price for full coverage for a 16-year-old driver may cost $4,376 or more
Car insurance prices for a Cadillac STS are also quite variable based on your driving record, the model of your STS, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,300 a year. View Rates by Age
The state you live in has a huge impact on Cadillac STS insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,650 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,044 | -$114 | -9.8% |
| Alaska | $888 | -$270 | -23.3% |
| Arizona | $958 | -$200 | -17.3% |
| Arkansas | $1,158 | -$0 | 0.0% |
| California | $1,318 | $160 | 13.8% |
| Colorado | $1,102 | -$56 | -4.8% |
| Connecticut | $1,186 | $28 | 2.4% |
| Delaware | $1,308 | $150 | 13.0% |
| Florida | $1,444 | $286 | 24.7% |
| Georgia | $1,070 | -$88 | -7.6% |
| Hawaii | $832 | -$326 | -28.2% |
| Idaho | $784 | -$374 | -32.3% |
| Illinois | $860 | -$298 | -25.7% |
| Indiana | $872 | -$286 | -24.7% |
| Iowa | $778 | -$380 | -32.8% |
| Kansas | $1,098 | -$60 | -5.2% |
| Kentucky | $1,576 | $418 | 36.1% |
| Louisiana | $1,712 | $554 | 47.8% |
| Maine | $714 | -$444 | -38.3% |
| Maryland | $954 | -$204 | -17.6% |
| Massachusetts | $920 | -$238 | -20.6% |
| Michigan | $2,008 | $850 | 73.4% |
| Minnesota | $968 | -$190 | -16.4% |
| Mississippi | $1,384 | $226 | 19.5% |
| Missouri | $1,026 | -$132 | -11.4% |
| Montana | $1,242 | $84 | 7.3% |
| Nebraska | $910 | -$248 | -21.4% |
| Nevada | $1,386 | $228 | 19.7% |
| New Hampshire | $834 | -$324 | -28.0% |
| New Jersey | $1,292 | $134 | 11.6% |
| New Mexico | $1,022 | -$136 | -11.7% |
| New York | $1,218 | $60 | 5.2% |
| North Carolina | $666 | -$492 | -42.5% |
| North Dakota | $948 | -$210 | -18.1% |
| Ohio | $796 | -$362 | -31.3% |
| Oklahoma | $1,186 | $28 | 2.4% |
| Oregon | $1,060 | -$98 | -8.5% |
| Pennsylvania | $1,100 | -$58 | -5.0% |
| Rhode Island | $1,544 | $386 | 33.3% |
| South Carolina | $1,048 | -$110 | -9.5% |
| South Dakota | $976 | -$182 | -15.7% |
| Tennessee | $1,014 | -$144 | -12.4% |
| Texas | $1,394 | $236 | 20.4% |
| Utah | $854 | -$304 | -26.3% |
| Vermont | $790 | -$368 | -31.8% |
| Virginia | $692 | -$466 | -40.2% |
| Washington | $892 | -$266 | -23.0% |
| West Virginia | $1,060 | -$98 | -8.5% |
| Wisconsin | $798 | -$360 | -31.1% |
| Wyoming | $1,030 | -$128 | -11.1% |
Choosing high deductibles could cut prices by as much as $410 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $366 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite 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 | $1,112 | $93 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,112 | $93 |
| Cadillac STS V6 4-Dr Sedan | $1,136 | $95 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,136 | $95 |
| Cadillac STS V6 4-Dr Sedan | $1,158 | $97 |
| Cadillac STS V6 AWD 4-Dr Sedan | $1,158 | $97 |
| Cadillac STS V8 4-Dr Sedan | $1,158 | $97 |
| Cadillac STS V8 4-Dr Sedan | $1,158 | $97 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,158 | $97 |
| Cadillac STS V8 4-Dr Sedan | $1,202 | $100 |
| Cadillac STS V8 AWD 4-Dr Sedan | $1,224 | $102 |
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 | $244 | $372 | $406 | $1,158 |
| 2010 Cadillac STS | $228 | $340 | $402 | $1,106 |
| 2008 Cadillac STS | $208 | $278 | $398 | $1,020 |
| 2007 Cadillac STS | $204 | $270 | $390 | $1,000 |
| 2006 Cadillac STS | $200 | $258 | $384 | $978 |
| 2005 Cadillac STS | $184 | $246 | $380 | $946 |
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 Cheapest Cadillac STS Insurance
Getting lower rates on insurance for a Cadillac STS requires being a safe and courteous driver, having above-average credit, being claim-free, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a recap of the data that was touched on in this article.
- You may be able to save as much as $140 per year simply by quoting early and online
- Insureds who require higher levels of liability will pay about $450 per year to increase from a low limit to 250/500 limits
- Teenage drivers are expensive to insure, possibly costing $365 a month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may pay on average $1,330 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,376 |
| 20 | $2,640 |
| 30 | $1,198 |
| 40 | $1,158 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,426 |
| $250 | $1,302 |
| $500 | $1,158 |
| $1,000 | $1,018 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,158 |
| 50/100 | $1,305 |
| 100/300 | $1,407 |
| 250/500 | $1,671 |
| 100 CSL | $1,346 |
| 300 CSL | $1,569 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,224 |
| 20 | $4,204 |
| 30 | $2,538 |
| 40 | $2,492 |
| 50 | $2,376 |
| 60 | $2,352 |
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 | $61 |
| Multi-vehicle | $61 |
| Homeowner | $18 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $49 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $480 |
Discounts are estimated and may not be available from every company or in every state.
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