Cadillac STS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Cadillac STS costs about the same to insure as the average car.
• Liability car insurance for a STS comes in at around $83 per month, while full coverage generally runs about $177 a month.
• Hugo provides the most affordable average premiums for a STS with liability only coverage offered for as cheap as $29 monthly.

STS Overview

With 2011 models starting at $50,820, the Cadillac STS is on the more expensive end of the spectrum. There are three different trim levels currently offered, so you'll be sure to find an option to fit your style.

After analyzing thousands of insurance quotes through Compare.com, we've found that Cadillac STS auto insurance rates run around $140 a month, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Cadillac STS?

You can see in the table above that compared to other vehicles on the road, Cadillac STS insurance premiums are about average. On average, STS owners can expect to pay around $83 per month for liability insurance, and about $177 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Compared to other Cadillac models, the STS's insurance price is on par with the rest of the automaker's vehicle offerings. Similarly, coverage for the STS is around average with other vehicles of a similar body style, with both liability only and full coverage insurance averaging exactly the same prices as other cars.

When compared to all vehicles, regardless of model, make, or body style, the STS follows a similar pattern of having average insurance premiums.

Who has the Cheapest Car Insurance for a Cadillac STS?

If you're browsing for an auto insurance policy for a Cadillac STS, you might be wondering which company offers the lowest prices. Even though prices can fluctuate quite significantly from person to person, ACG offers the lowest average rates for liability only coverage, with rates sometimes as cheap as $26 per month. With car insurance as little as $29 a month, Hugo is the next cheapest car insurance carrier.

Workmens, Aspire, and AmericanAlliance round out the rest of the top 5 list. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Cadillac STS.

Insurance companies take a variety of different things into consideration when calculating how much to charge you. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a bunch of auto insurance carriers.

What Factors Affect Car Insurance Rates for a Cadillac STS?

There are a multitude of attributes that insurance companies examine to determine how much they charge for a policy -- and each company uses a different method, so there's not one carrier that's the lowest for every STS driver.

The sections below show a lot of variables car insurance carriers use to calculate rates:

Vehicle Age

The Cadillac STS has been around for a while -- that means vehicle age can play a big role in what you end up paying for insurance. Normally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the STS won't really fit this trend. However, as you can see in the table above, the cheapest Cadillac STSs to insure are those that are 4 to 5 years old, while the most expensive models are STSs that are 2 to 3 years old, on average.

Your Age

How old you are makes a significant difference in how much you pay for auto insurance. Based on the information above, the youngest STS drivers pay more compared to drivers who have more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 65 years and older making up the cheapest age group for the STS.

Your Gender

You may not know, but car insurance is usually cheaper for women than it is for men. This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. The Cadillac STS sticks to the norm, where women pay about 9% less than men monthly for auto insurance.

Where You Live

It may seem like common sense that factors like how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live can matter just as much? Since insurance is regulated on a state-by-state basis, premiums can vary quite a bit depending on what state you live in.

For example, the average Cadillac STS owner in New York pays around $142 a month for liability coverage, while on average, the same driver in California will pay less than half of that price. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change depending on where you live.

Cadillac STS Car Insurance Discounts

Whatever your car, your age, or your home state, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than in monthly installments
• Multi-vehicle discounts for having several cars on your auto policy

While these are just a few of the discounts auto insurance companies offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Although you can't control every factor car insurance carriers look at to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the variables you can use in your favor when it comes to cost savings:

Your Driving Record

You've no doubt heard ads from insurance companies posting hefty savings for responsible drivers. It shouldn't come as a surprise that if you get into a collision or get a speeding ticket, auto insurance premiums will go higher. But exactly how much will these infractions cost you?

If you look at the table above, you'll see that accidents will usually cost STS drivers more than tickets, but both will result in higher than average rates. Cadillac STS drivers with a single ticket will pay an average of $85 per month, while drivers with one accident on their record pay about $97 every month (up $14 from the $83/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable that plays a role in your insurance rates is the total amount of miles you drive. Those who drive less often have fewer opportunities to get into an accident, so they'll typically end up spending less on car insurance. Based on the table above, you can see that Cadillac STS owners who drive 10,000 miles or more pay $90 for auto insurance, while those who drive fewer than 2,500 miles a year pay an average of $80 monthly.

If you don't use your Cadillac STS that often, it may be worth considering usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Cadillac STSs Compare to Other Vehicles?

If you're thinking about making a Cadillac STS your next car, it might be helpful to do your due diligence. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Check out the table below to see how the Cadillac STS stacks up:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Cadillac STS is on the more expensive side when it comes to price. At $50,820, the STS price comes in above the national average MSRP of $35,020. A used STS will be even less expensive, since there hasn't been a new model added to the market in the last few years.

Likewise, car insurance prices run above average when compared to other vehicles on the market. Liability insurance for a Cadillac STS is about $80 per month more than average, while full coverage is over $50 more a month.

However, it is worth noting that the STS drivers tend to use their cars less than the average American driver, with only 10,276 annual miles for the average owner.

Cadillac STS Car Insurance Costs by Model Year

You've seen how different things can affect how much the average driver pays to insure a Cadillac STS. If you're in thinking about buying a new car, truck, or SUV and the STS is on your wishlist, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your choices.

2011 Cadillac STS Car Insurance

2011 Cadillac STS drivers can expect to pay an average of $161 per month for liability or $237 for full coverage.

With rates sometimes as little as $25 a month, StateAuto offered the cheapest policy we found for the 2011 Cadillac STS.

Want to know just how much you'll pay? Just enter your ZIP code below to get several free personalized quotes.

2010 Cadillac STS Car Insurance

On average, drivers who own a 2010 STS can expect to pay $57 to $192 monthly for liability only and full coverage insurance, respectively.

MetroMile offered the lowest policy we found, with rates as cheap as just $22 per month.

If you want to find the best prices for auto insurance for a 2010 Cadillac STS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2009 Cadillac STS Car Insurance

You can expect full coverage for a 2009 Cadillac STS to run around $192 monthly, while liability only coverage will average about $70 a month.

Safeco has rates as low as just $22 per month for the 2009 Cadillac STS.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

2008 Cadillac STS Car Insurance

It costs around $83 a month for liability or $181 for a full coverage policy for the 2008 STS.

If you're looking for the lowest possible 2008 Cadillac STS insurance policy, Infinity offered the most affordable policy we found, with rates sometimes as low as $18 per month.

If you want to know exactly how much you can expect to pay for your STS, just enter your ZIP code below and get free quotes in minutes.

2007 Cadillac STS Car Insurance

The average cost to insure a 2007 Cadillac STS with liability only coverage is $90 monthly, while full coverage runs about $183 per month.

We found Clearcover offered the cheapest policy, with rates as low as $18 monthly.

What will your car insurance price be? Just enter your ZIP code below to get lots of free customized quotes.

2006 Cadillac STS Car Insurance

It costs around $73 a month for liability or $155 for a full coverage policy for the 2006 STS.

Looking for the most affordable policy? ACG offered liability only coverage for as little as just $20 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2005 Cadillac STS Car Insurance

The average cost to insure a 2005 Cadillac STS with liability only coverage is $81 monthly, while full coverage runs about $172 a month.

With premiums sometimes as cheap as $21 monthly, Kemper offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

Cadillac STS Insurance FAQs

Is a Cadillac STS expensive to insure?

The cost of insurance for the Cadillac STS is about the same as insuring the average car. Liability insurance runs an average of $83 per month, while full coverage will cost you around $177.

How can I get the best price on car insurance for my Cadillac STS?

The only way to make sure you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from an array of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Cadillac STS affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's simply not true. There are a whole bunch of factors auto insurance carriers think about when they calculate how much you'll pay, but your car's color is not used to make that determination.

Do I need to have insurance before I buy a Cadillac STS?

You'll need to have valid insurance for your STS before you can legally drive your it off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to talk with your auto insurance carrier beforehand.

What car insurance discounts can I get for my Cadillac STS?

There are a ton of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your STS has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, contact your insurance company and ask about their discounts, since they differ quite a bit from company to company.