What is the Best Car Insurance for a Cadillac STS?

Getting Cadillac STS insurance quotes will cost on average $110 per month ($1,318 per year). Comprehensive, collision, and liability insurance cost around $321, $469, and $372, respectively.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jul 15, 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 around $1,318 a year or $110 a month. The highest rates are for teenagers who will pay approximately $4,817 a year or $401 a month. We’re going to quickly 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 costs 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 Subaru WRX, Kia Forte, and Buick Regal.

Vehicle Comprehensive Collision Liability Total
Subaru WRX $320 $566 $338 $1,360
Kia Forte $322 $500 $372 $1,352
Buick Regal $306 $536 $398 $1,398
Nissan Maxima $372 $630 $390 $1,550
Ford Fusion $336 $626 $372 $1,492
Volkswagen Passat $332 $600 $390 $1,480
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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 car insurance. For example, 30-year-old drivers pay approximately $58 more for their 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 car insurance rates are tied to the safety ratings of the Cadillac STS. 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 Marginal
Source: Insurance Institute for Highway Safety
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Cadillac STS Crash Test Ratings

Good Cadillac STS crash test ratings can lower your Cadillac STS auto insurance rates. See Cadillac STS crash test results below:

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

The more safety features you have on your Cadillac STS, the more likely it is that you can earn a discount. 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, you will pay more if you purchase Cadillac STS car insurance at the dealership, so be sure to shop around and compare Cadillac STS car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Cadillac STS Insurance

You have more options at your disposal to save money on your Cadillac STS car insurance costs. For example, try these five tips:

  • Remove Young Drivers from Your Cadillac STS Insurance Plan
  • Understand that Insurance Companies Can’t Change Your Cadillac STS Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Ask About Discounts for People with Disabilities
  • Consider Ride Sharing Services to Lower Your Cadillac STS Mileage
  • Ask About Usage-Based Insurance for Your Cadillac STS

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

Start comparing Cadillac STS car insurance quotes for free by using our convenient online comparison tool.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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