How Much is Insurance for a Cadillac STS?

Average Cadillac STS insurance rates cost $1,318 a year, or around $110 a month. A liability-only policy costs around $528 a year or $44 each month. Cadillac STS insurance costs around $201 less per year than the average vehicle. Good drivers can save up to $543 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 around $1,318 a year or $110 a month. The highest rates are for teens who will pay around $4,817 a year or $401 a month.

Good drivers can save up to $543 a year in policy discounts by remaining claim-free and safe while driving. Let’s take a closer look at 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 Cadillac STS car insurance rates are $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 Chevrolet Blazer, Audi S4, and Cadillac CTS.

Vehicle Comprehensive Collision Liability Total
Chevrolet Blazer $376 $688 $316 $1,516
Audi S4 $370 $744 $338 $1,588
Cadillac CTS $320 $626 $398 $1,502
Ford Focus $244 $536 $398 $1,336
Chevrolet Impala $280 $532 $372 $1,342
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?

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

Older Cadillac STS models generally cost less to insure. For example, car insurance for a 2011 Cadillac STS costs $1,318, while 2010 Cadillac STS insurance costs 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 Cadillac STS car insurance rates. For example, 30-year-old drivers pay $58 more for Cadillac STS car 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 Phoenix may pay $725 a year less than drivers in Los Angeles.

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, 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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Cadillac STS Insurance

There are many ways that you can save on Cadillac STS car insurance. Below are five actions you can take to find cheap Cadillac STS auto insurance rates.

  • Never Drink and Drive Your Cadillac STS
  • Re-Check Cadillac STS Quotes Every 6 Months
  • Don’t Assume your Cadillac STS is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Pay Your Bills On Time — Especially Cadillac STS Payments and Insurance
  • Ask for a Cadillac STS Discount If You Have College Degree or Higher

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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