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Compare Cadillac STS Insurance Rates [List of Money Saving Tips]

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 $201 cheaper than the average vehicle. You can pay as low as $44 per month on liability-only coverage. Continue reading to learn how you can save money on Cadillac STS insurance rates.

You can start comparing quotes for Cadillac STS auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Cadillac STS Insurance Cost

The average Cadillac STS auto insurance rates are $1,318 a year or $110 a month.

Are Cadillac STSs Expensive to Insure?

The chart below details how Cadillac STS insurance rates compare to other sedans like the Kia Forte, Toyota Avalon, and Chrysler 300.

Vehicle Comprehensive Collision Liability Total
Kia Forte $322 $500 $372 $1,352
Toyota Avalon $320 $536 $338 $1,330
Chrysler 300 $332 $626 $398 $1,514
Honda Civic $280 $656 $420 $1,536
Ford Taurus $344 $596 $398 $1,496
Nissan Sentra $254 $570 $390 $1,372
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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?

The Cadillac STS trim and model you choose will affect the total price you will pay for Cadillac STS insurance coverage.

Age of the Vehicle

Older Cadillac STS models generally cost less to insure. For example, auto insurance rates for a 2011 Cadillac STS are $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 effect on the cost of Cadillac STS auto insurance. For example, 30-year-old drivers pay approximately $58 more for their Cadillac STS auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac STS insurance rates. For example, drivers in Los Angeles may pay $488 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on your Cadillac STS auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Cadillac STS auto 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 G
Side A
Roof strength Not Tested
Head restraints and seats P
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 crash ratings also mean cheaper Cadillac STS auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Cadillac STS N/R N/R N/R 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Cadillac STS Safety Features

The Cadillac STS safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Cadillac STS auto insurance rates. The Cadillac STS’s safety features include:

  • 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

When financing a Cadillac STS, most lenders will require your carry higher Cadillac STS coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac STS auto insurance rates from the best companies using our FREE tool below.

Ways to Save on Cadillac STS Insurance

You have more options at your disposal to save money on your Cadillac STS auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Cadillac STS auto insurance rates

  • Ask About Usage-Based Insurance for Your Cadillac STS
  • Compare Insurance Companies After Moving
  • Take Public Transit Instead of Driving Your Cadillac STS
  • Carpool to Work Instead of Driving Your Cadillac STS
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Cadillac STS Insurance Companies

Who is the best auto insurance company for Cadillac STS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac STS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac STS offers.

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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Save on your Cadillac STS auto insurance rates by taking advantage of our FREE comparison tool.


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