Best Cadillac STS Car Insurance Quotes (2024)
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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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Aug 26, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
Read more: Best KIA Car Insurance Quotes
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |||
Compare Free Cadillac STS Insurance Quotes Online
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Frequently Asked Questions
What factors affect the cost of insurance for a Cadillac STS in 2023?
Several factors can affect the cost of insurance for a Cadillac STS in 2023, including your driving record, age, location, the value of your car, and the level of coverage you choose. Other factors such as the safety rating of the Cadillac STS, theft rates in your area, and the cost of repairs can also affect the cost of insurance.
What type of coverage do I need for my Cadillac STS in 2023?
The type of coverage you need for your Cadillac STS in 2023 will depend on your personal circumstances and the level of protection you want. Most states require drivers to carry liability insurance, which covers damage to other people’s property or injuries they sustain in an accident you cause. Other coverage options you may consider include collision, comprehensive, uninsured motorist, and personal injury protection.
How can I get the best Cadillac STS car insurance quotes in 2023?
To get the best Cadillac STS car insurance quotes in 2023, you should shop around and compare quotes from multiple insurers. Provide accurate information when requesting quotes and ask about discounts you may qualify for, such as safe driver discounts, multi-car discounts, and bundling discounts. Consider increasing your deductible to lower your premiums, but be sure you can afford the out-of-pocket expense if you need to file a claim.
Are there any discounts available for Cadillac STS car insurance in 2023?
Yes, there are several discounts available for Cadillac STS car insurance in 2023. These may include safe driver discounts, multi-car discounts, bundling discounts, loyalty discounts, and discounts for safety features such as anti-lock brakes, airbags, and anti-theft devices. Be sure to ask your insurance provider about any discounts you may be eligible for.
Is the insurance cost for a Cadillac STS more expensive than a regular sedan?
The insurance cost for a Cadillac STS in 2023 may be more expensive than a regular sedan due to the higher value of the vehicle and the cost of repairs. However, the safety rating of the Cadillac STS and your personal driving record may also affect the cost of insurance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.