Car Insurance Quotes for Cadillac STS
Are You Getting the Cheapest Car Insurance Available for a Cadillac STS?
By clicking Start Quote, I agree to the Privacy Policy and
How Much Is Car Insurance for a Cadillac STS?
The Cadillac STS might not be in showrooms anymore, but this luxury sedan still turns heads and delivers an exceptional driving experience. With its butter-smooth ride, spacious cabin, and powerful engine options, it strikes that perfect balance between luxury and everyday comfort. Whether you’re stuck in rush-hour traffic or cruising down the highway on a Sunday afternoon, the STS makes every trip feel special.
Although luxury cars often mean high premiums, the Cadillac STS benefits from being a very reliable vehicle. Cadillac STS auto insurance costs around $80 for liability insurance and approximately $170 for full coverage. Keep reading to discover what factors affect your final rate and how to save without losing protection on your plan with help from Freeway Insurance.
Getting a Free Auto Insurance quote with Freeway is easy!
Comparing Insurance Costs for Cadillac STS to Other Luxury Sedans
Insurance prices can shift a lot when you compare the STS to other luxury sedans, even if they seem similar on paper. Some models cost more to repair, others have higher theft rates, and a few simply sit in a pricier insurance category because of their performance. The Cadillac STS usually lands somewhere in the middle—not the cheapest, but also far from the most expensive.
Here’s a quick look at how it compares to a few similar options:
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Cadillac STS | $1,900 |
| Volvo S80 | $2,006 |
| Lincoln MKZ | $2,356 |
| Lexus ES 350 | $2,976 |
| BMW 528i | $2,800 |
| Mercedes-Benz E350 | $2,916 |
Types of Car Insurance Coverage for a Mid-size Vehicle
Not every Cadillac STS driver needs the same type of auto insurance. The “right” coverage depends on how you use your car, how much risk you face, and how much you’re willing to pay out of pocket if something happens. Some drivers choose just enough coverage to stay legal, while others prefer a more complete plan that helps with major repairs and unexpected events.
Full Coverage
A full coverage policy, in simple terms, is a complete package of protection that includes liability, collision, and comprehensive insurance.
- Liability covers when you’re responsible for damage or injuries to others.
- Collision helps pay for repairs to your STS if it’s damaged in a crash.
- Comprehensive covers when something other than a crash causes damage—like hail, vandalism, falling objects, or theft.
If your STS is in good condition and you’d rather avoid a big repair bill after a single incident, full coverage is worth considering. You can also add Freeway Auto Club for 24/7 roadside assistance, including towing, jump-starts, fuel delivery, and lockout service—useful for an older luxury car you still rely on.
State Minimum Liability
State minimum liability is the basic coverage required by law. It only covers the other person’s injuries and property damage if you cause an accident, but it doesn’t pay for your own repairs.
For example, if you accidentally tap another vehicle at a stoplight, this type of coverage takes care of their costs, while any damage to your Cadillac STS would be your responsibility.
The minimum liability auto insurance per state isn’t the same everywhere. In Georgia, for instance, drivers must carry 25/50/25, meaning $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Since Georgia is an at-fault state, the driver who caused the collision is financially responsible for the damages involved.
Individual Factors That Influence Pricing for a Cadillac STS
Insurance companies don’t just look at your vehicle; they look at you and your surroundings. Some factors are personal, and others depend on where and how the car is used. Here are some of the factors that can affect your car insurance:
- Where you live: Areas with more traffic, crashes, or claims usually have higher rates.
- How and when you drive: Using your STS mainly on weekends is different from driving in rush-hour traffic every day. Longer, daily commutes usually bring higher premiums.
- Your driving experience: Drivers with more years behind the wheel and fewer mistakes on their record often pay less.
- Your coverage choices and deductibles: Higher limits and full coverage protect you better but cost more. Choosing a higher deductible can lower your monthly price but means paying more out of pocket if you file a claim.
All these pieces work together to shape your final price, which is why it’s rare for two drivers—even with the same car—to pay exactly the same amount.
How Does a DUI Affect Insurance Rates?
A DUI can change your insurance situation quickly. Once it shows up on your record, many companies will treat you as a high-risk driver. That often means a big jump in price, and in some cases, your current insurer may even decide not to renew your policy.
On top of court fines and possible license restrictions, some states require an SR-22, which is a form your insurance company files with the state to show that you carry at least the minimum required coverage.
If you’re dealing with a DUI, Freeway Insurance can help you find an affordable solution that works with high-risk drivers. The goal is simple: keep you insured, on the road, and moving toward better rates as time passes and your record improves.
What Car Insurance Discounts Are Available for the Cadillac STS?
Driving a Cadillac STS doesn’t mean you have to overpay for insurance. Many companies offer discounts that can make a noticeable difference in what you spend each month. A Freeway Insurance agent can go over your situation and help you find the savings that fit you best, instead of leaving money on the table.
Here are some driver discounts you might qualify for:
- Safe Driver Discount: If you’ve gone a few years without tickets or accidents, you may pay less.
- Multi-Vehicle Discount: Insure the STS along with another car under the same policy.
- Defensive Driving Course Discount: Completing an approved driving course can earn you a lower rate.
- Anti-Theft Device Discount: If your STS has an alarm, tracking system, or other theft-prevention tech, that can help reduce your premium.
- Loyalty or Renewal Discount: Some insurers reward customers who stay with them year after year.
Not every company offers the same discounts, which is another reason it helps to have someone comparing options for you.
Find an office near you to help with your auto insurance
What Are Some of the Characteristics of the Cadillac STS?
The Cadillac STS appeared in the American market in 2005 and was in production until 2011. It had a sporty design and provided a comfortable space. It came with V6 and V8 engine options and optional rear-wheel or all-wheel drive, depending on the year and trim.
Even though it’s no longer being built, the STS still appeals to drivers who want a classic Cadillac feel without the cost of a brand-new model, and that’s why it’s worth protecting it without having to overspend on its coverage.
Find the Best Car Insurance Rates Online for Cadillac STS Today
If you enjoy driving your Cadillac STS, the right insurance can help you keep it on the road longer and with fewer surprises. At Freeway Insurance, we make it simple to compare quotes, check for discounts, and choose affordable auto insurance that matches your budget and the way you use your car.
Call 800-777-5620, visit a nearby Freeway office, or start a free quote online today. Protecting your STS doesn’t have to be complicated!