Cadillac STS Auto Insurance Rates

Finding affordable Cadillac STS auto insurance is key to protecting yourself and your wallet. State Farm offers cheap Cadillac STS auto insurance rates with an average of $143/mo, but your rates will vary based on your location. The lowest Cadillac STS auto insurance costs are in Kentucky at only $88/mo. Read our Cadillac STS auto insurance review and use our FREE comparison tool to find numerous Cadillac STS auto insurance quotes.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The Cadillac STS is one of the most popular sedans that the company has ever sold. In some ways, this is good news for anyone who is looking for an affordable price on their Cadillac STS auto insurance rates.

Owning a popular car means that certain expenses, such as maintenance, repairs, and replacements are cheaper than unpopular or rare vehicles. At the same time though, you have to keep in mind that this is a luxury vehicle - which may require an expensive, luxury insurance policy to protect it.

In order to find it affordable right, you're going to have to put in a little extra effort.

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A Brief History of the Cadillac STS

A couple of decades ago, one of the most popular selling luxury sedans on the road was the Cadillac Seville - then came along the next generation called the STS (short for "Seville Touring Sedan").

It was in production until 2011, which marked a solid 7 year run. It received high praise from the National Highway Traffic Safety Administration for both its frontal and rear passenger crash test ratings.

However, the Insurance Institute for Highway Safety only gave them an "acceptable" rating with regard to side impact tests.

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Cadillac STS in the News

Although the second generation of the Cadillac STS (which debuted in 2008) promised to come with a luxurious renovation of the vehicle's interior, Cadillac focused most of the changes on external body design.

A very short-lived, souped-up version of the STS, known as the STS-V, had a brief run from 2006 to 2009. It's best sales year was in 2005, shortly after its debut with over 33,000 units sold.

Once sales started to drop in 2009, Cadillac discontinued production a few years later with final sales amounting to no more than a few thousand units annually.

Comparing Cadillac STS Auto Insurance

If you want to know what you can expect your insurance policy to cost, there are three very important words that you need to keep in mind: location, location, location.

From the state level all the way down to the specific zip code where you live, there are a number of factors which will have an influence on how much you end up paying for your monthly premiums.

Cadillac STS Car Insurance by StateLegend: Cadillac STS Quotes MissouriFloridaKentuckyKansasRhode Island 102030405060708090100110120130140150160$112$165$88$114$143


Once you have a good idea of what drivers in your area are paying for vehicles that are similar to yours, then you will have a better idea of whether or not the quotes you receive from insurance agents are fair, or excessive.

This is why you don't want to rely on only one or two quotes in order to get the best deal, even if they're coming from insurance providers that you trust. The more comparison-shopping you do, the better.

Cadillac STS Auto Insurance by CompanyLegend: Cadillac STS Quotes State FarmLiberty MutualAllstateNationwideEncompass 255075100125150175200225250275300325$143$167$184$263$333


When you're trying to insure a luxury vehicle, taking your accidents and claims history into account will be more important to your insurance company then it might be with other vehicles. After all, if you do file a claim, they will be paying luxury prices in order to get your car fixed.

If you filed claims in the past, and your insurance company worries that you may file more in the future, they will likely charge you a much higher rate. That's just the way the insurance industry works.

How Your Claims History Affects Car Insurance RatesLegend: No Accidents or Claims Accidents and Claims State FarmLiberty MutualAllstateNationwideEncompass 255075100125150175200225250275300325$143$143$167$199$184$248$263$280$333Does Not Sell


Just because you own an expensive car doesn't mean you should have to buy an expensive car insurance policy. You have just as much of a right to get a good deal on your monthly premiums as any other person on the road.

Of course, the best way to do that is to make sure you comparison shop and compare multiple rates from as many companies as you can get. But this is a difficult and time-consuming task, so most people don't bother.

However, you can use our quote generator and let us do all the work - so that you can start saving money today!

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See also: General Motors (GM) | Cadillac Car Insurance

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