Cadillac STS Insurance Rates
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UPDATED: May 11, 2024
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U.S. average insurance prices for a Cadillac STS are $1,158 every 12 months including full coverage. Comprehensive insurance costs around $244, collision insurance costs $372, and liability insurance costs $406. Buying just liability costs as little as $450 a year, and insurance for high-risk drivers costs $2,492 or more. Teens pay the highest rates at up to $4,376 a year.
Average premium for full coverage: $1,158
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different STS trim levels.
Price Range from Low to High
For a driver around age 40, Cadillac STS insurance prices range from the cheapest price of $450 for just liability coverage to a much higher rate of $2,492 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, 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.
Detailed Rate Analysis
The chart below breaks down average Cadillac STS insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $678
- Drivers who choose higher $1,000 deductibles will pay about $140 every year
- The average price for the average middle-age driver using $500 deductibles is $1,158
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $268 a year
- High risk drivers with serious driving violations could pay at least $2,492
- The price to insure a teen driver with full coverage can be $4,376 a year
Insurance prices for a Cadillac STS are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $410 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Cadillac STS insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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% |
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 Shop for Cheaper Cadillac STS Insurance
Getting lower rates on Cadillac STS insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. 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 points below are a condensed summary of the data covered above.
- Drivers who may need increased liability limits will pay approximately $450 per year to go from a low limit to a 250/500 level
- You may be able to save up to $140 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $400 each year
- Drivers under the age of 20 are charged the highest prices, possibly costing $365 a month if full coverage is included
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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