Are Cadillac STSs Expensive to Insure? [Rates + Cheap Coverage Guide]

Car insurance rates for a Cadillac STS average $1,318 a year, or around $110 a month. Teens pay the highest rates at up to $4,817 a year, while good drivers may only pay $775.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 doesn’t need to be expensive. Cadillac STS insurance costs around $201 less per year than the average vehicle. Our guide goes over insurance rates for a Cadillac STS, so drivers can understand how to save. Read on.

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 auto 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 Chrysler 300, Toyota Avalon, and Kia Forte.

Vehicle Comprehensive Collision Liability Total
Chrysler 300 $332 $626 $398 $1,514
Toyota Avalon $320 $536 $338 $1,330
Kia Forte $322 $500 $372 $1,352
Buick Regal $306 $536 $398 $1,398
Audi A3 $282 $566 $398 $1,404
Mazda 3 $308 $562 $372 $1,400
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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, 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 impact on Cadillac STS auto insurance rates. For instance, a 30-year-old driver may pay $58 more each year for Cadillac STS auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Cadillac STS insurance rates. For example, drivers in New York may pay $804 a year more than drivers in Seattle.

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 rates 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

Cadillac STS crash test ratings will affect your Cadillac STS car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2011 Cadillac STS 4 DR FWD 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

Having a variety of safety features on your Cadillac STS can help lower your Cadillac STS insurance costs. 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

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 rates from the best companies using our FREE tool below.

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Ways to Save on Cadillac STS Insurance

Drivers can end up saving more money on their Cadillac STS car insurance rates by employing any one of the following strategies.

  • Buy An Older Cadillac STS
  • Add a More Experienced Driver to Your Cadillac STS Policy
  • Pay Your Cadillac STS Insurance Upfront
  • Consider Renting a Car Instead of Buying a Second Cadillac STS
  • Take Advantage of Referral Fees

Top Cadillac STS Insurance Companies

Who is the top car 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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Compare Free Cadillac STS Insurance Quotes Online

You can start comparing quotes for Cadillac STS insurance from some of the top car insurance companies by using our free online tool today.

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