How Much is Insurance for a Cadillac STS?

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 6, 2020

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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.

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
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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.

Age of the Vehicle

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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Driver Age

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.

Driver Location

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.

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.

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
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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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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

Cadillac STS Finance and Insurance Cost

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.

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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

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
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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!

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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.

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.

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 credit shows 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.

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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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