Compare Cadillac STS Car Insurance Rates [2024]
Car insurance rates for a Cadillac STS average $1,318 a year, or around $110 a month. Shop around to find cheap Cadillac STS insurance rates. On average, Cadillac STS comprehensive insurance coverage costs $321, collision coverage costs $469, and liability coverage costs $372.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,318 a year or $110 each month
- A liability-only policy costs around $528 a year or $44 each month
- Highest rates are for teenage drivers at around $4,817 a year or $401 each month
- Good drivers can save as much as $543 a year by earning policy discounts
- Cadillac STS insurance costs around $201 less per year than the average vehicle
Cadillac STS insurance rates are about $201 less per year than the average vehicle with full coverage costing about $1,318 a year or $110 a month. Teens have the highest rates at around $4,817 a year or $401 a month as they’re considered to be high-risk as inexperienced drivers. We’re going to go over Cadillac STS insurance rates, safety features, and more.
You can start comparing quotes for Cadillac STS car insurance rates from some of the best car insurance companies by using our free online tool now.
How much does Cadillac STS insurance cost?
The average auto insurance rates for a Cadillac STS cost $1,318 a year or $110 a month.
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Are Cadillac STSs expensive to insure?
The chart below details how Cadillac STS insurance rates compare to other sedans like the Honda Civic, Subaru WRX, and Cadillac CTS.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Cadillac CTS | $320 | $626 | $398 | $1,502 |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
What impacts the cost of Cadillac STS insurance?
You might have noticed that there is a multitude of factors that impact Cadillac STS car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Cadillac STS.
They also factor in things on your particular vehicle. Some cars lack safety features that can get you a discount, but most include at least some in addition to the other features and optional equipment like heated seats and/or leather seats, remote engine start, heated steering wheel, and more. These likely don’t impact your rates, but passenger air bags and seat belts definitely will.
Is the age of the vehicle important?
The average Cadillac STS auto insurance rates are higher for newer models. For example, auto insurance rates for a 2011 Cadillac STS cost $1,318, while 2010 Cadillac STS rates are $1,280, a difference of $38.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2011 Cadillac STS | $288 | $504 | $390 | $1,318 |
| 2010 Cadillac STS | $278 | $472 | $394 | $1,280 |
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Does driver age get factored in?
Driver age can have a significant impact on Cadillac STS auto insurance rates. As an example, a 40-year-old driver could pay $139 less each month for their Cadillac STS auto insurance compared to a 20-year-old driver.
Is driver location important?
Where you live can have a large impact on Cadillac STS insurance rates. For example, drivers in Los Angeles may pay $725 a year more than drivers in Phoenix.
What about your driving record?
Your driving record can have an impact on the cost of Cadillac STS car insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac STS car insurance with violations on their driving record.
What are the Cadillac STS safety ratings?
Your Cadillac STS auto insurance rates are influenced by the Cadillac STS’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Acceptable |
| Roof strength | Not Tested |
| Head restraints and seats | Poor |
| Source: Insurance Institute for Highway Safety | |
What are the Cadillac STS crash test ratings?
Not only do good Cadillac STS crash test ratings mean you are better protected in a crash, but good Cadillac STS crash ratings also mean cheaper insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Cadillac STS | N/R | N/R | N/R | 5 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
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What are Cadillac STS safety features?
Good Cadillac STS safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Cadillac STS are:
- Driver Air Bag
- Passenger Air Bag On/Off Switch
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
What are the Cadillac STS finance and insurance costs?
If you are financing a Cadillac STS, you will pay more if you purchase Cadillac STS auto insurance at the dealership, so be sure to shop around and compare Cadillac STS auto insurance quotes from the best companies using our FREE tool below.
What are some ways to save on Cadillac STS insurance?
If you want to reduce the cost of your Cadillac STS insurance rates, follow these tips below:
- Move to the Countryside
- Avoid the Temptation to File a Claim for Minor Incidents
- Use Paperless Billing for Your Cadillac STS Insurance Policy
- Pay Your Cadillac STS Insurance Upfront
- Ask About Mature Driver Discounts for Drivers Over 50
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What are the top Cadillac STS insurance companies?
Several top car insurance companies offer competitive rates for the Cadillac STS rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Cadillac STS drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
How can you compare free Cadillac STS insurance quotes online?
You can start comparing quotes for Cadillac STS car insurance rates from some of the best car insurance companies by using our free online tool now.
Maybe you’ve been saving for years for that luxury car you always wanted. Or you just inherited a bunch of money and want to treat yourself with something classy. Whatever your reason, you decide to buy a Cadillac STS.
After making this decision, one question you should consider is how much would car insurance cost for a Cadillac STS. Before you insurance for it, however, you should review the basics of buying car insurance.
Enter your ZIP code to compare online car insurance quotes now!
How does safety impact the car insurance rate for a Cadillac STS?
If you purchase a Cadillac STS, you will want to make sure you live in a safe area. As with all Cadillacs, the STS is a high-end car that is more likely to get stolen or vandalized.
Because of this potential for theft, the STS is a high-risk vehicle, which will result in higher rates.
There are ways you can try to lower these rates. Insurance companies will give you discounts for every safety measure you take to protect your car.
- Whenever possible, lock your Cadillac STS in a garage when you’re not using it.
- Install safety devices to protect your car when you can’t. Car alarms and anti-theft devices are great additions.
- Buy a smart key, which senses when the key is away from the car and locks the car automatically.
Adding these can lower your insurance rates dramatically.
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What uncontrollable variables affect the car insurance premium on my Cadillac STS?
There are a few things you can’t control that will affect your insurance rates.
Age is important to insurers
If you are a driver younger than 25, insurance companies believe you don’t have enough experience to be a safe driver so they’ll charge you more for car insurance.
The same is true for people over 55, but this price increase is due to the fact that older people have slower reflexes. People between 25 and 55 will get the lowest insurance rates.
Women tend to be safer drivers than men
Men are less likely to wear seat belts and more likely to get into accidents. Because of this, women will be offered lower insurance rates than men.
Your neighborhood affects your car insurance
If you live in an unsafe area that is known for theft and vandalism without a place to store your Cadillac securely, you will be charged more for insurance.
Conversely, living in a safe neighborhood where the Cadillac STS is locked up when not in use will earn you lower rates.
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Insurers charge single people more than married couples
Car insurance companies believe married men and women will be less likely to participate in risky activities. Also, husbands and wives usually have their own cars, and thus, have more than one policy with their insurance company.
Most insurers reward people who have multiple policies with discounts.
These last two factors obviously are things you can change, but most people won’t move or change their marital status just to decrease their insurance rates.
What controllable variables impact the car insurance premiums of my Cadillac STS?
Many factors insurance agents use to calculate the insurance rates for your Cadillac STS are under your control.
It is good to have a good driving record because then your insurer will give you lower rates. If you have moving violations, such as a speeding or a DUI record, your insurance rates could be affected for up to three years.
The good part is that if you keep your driving record clean, your insurer might lower your rates after some time.
Similarly, you need a good credit report in order to buy the cheapest insurance for your Cadillac STS. Having good creditshows insurance companies you are responsible, and they can trust you to pay your bills.
If your credit isn’t great when you buy an insurance policy, you can work on making it better and then ask for lower insurance rates.
There are many levels of coverage you can purchase. If you buy your Cadillac STS with a loan, the lender will probably require you to have comprehensive coverage, which will cover the other party and his car as well as you and your car if you’re in an accident.
However, if you own your car and feel you could cover any medical and/or repair bills that might result from an accident, you can buy liability insurance.
This covers the other person and her vehicle but not you which makes it a cheaper coverage.
How does shopping around affect my Cadillac STS car insurance rates?
As with buying all other types of insurance, shop around and get quotes from a bunch of different companies. Most insurers offer free online quotes but be sure to enter the same information on each site in order to ensure accurate comparisons.
End your search by calling the most likely insurers and haggle to get the cheapest policy available.
Start your search the easy way. Discover car insurance rates for a Cadillac STS by entering your ZIP code now!
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Frequently Asked Questions
What factors affect the insurance rates for a Cadillac STS?
Several factors can influence the insurance rates for a Cadillac STS. These factors include the driver’s age, driving record, location, credit score, the model and year of the car, safety features, and the chosen coverage options.
How can I find the best insurance rates for a Cadillac STS?
To find the best insurance rates for your Cadillac STS, it is recommended to shop around and compare quotes from different insurance providers. You can either contact insurance companies directly or use online comparison websites that allow you to compare rates from multiple insurers.
Are there any specific insurance providers that offer competitive rates for Cadillac STS?
Insurance rates can vary between providers, so it’s advisable to obtain quotes from multiple insurers. However, some insurance companies may offer specialized coverage or discounts for luxury vehicles like the Cadillac STS. It’s worth exploring options from well-known providers, including those that offer tailored coverage for high-end vehicles.
Are there any ways to reduce insurance costs for a Cadillac STS?
Yes, there are a few strategies that can help reduce insurance costs for your Cadillac STS. Maintaining a clean driving record, bundling your auto insurance with other policies, increasing your deductibles, and installing anti-theft devices or safety features in your vehicle are some of the common ways to potentially lower your insurance premiums.
Are Cadillac STS considered expensive to insure?
The insurance costs for a Cadillac STS can vary depending on several factors, including the model, year, and location. Generally, luxury vehicles tend to have higher insurance rates due to their higher cost of repair and replacement. However, other factors such as your personal driving profile and the coverage options you choose also contribute to the overall cost of insurance.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.