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2008 Cadillac STS - car insurance quotes

How much does it cost to insure a  Cadillac STS 3.564 cc in 2023?


Lowest STS Rates $1140.48
Average STS Rates $1853.28
Highest STS Rates $2566.08
Please note that these 2008 Cadillac quotations are based on current studies and are indicative only!
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How much does 2008 Cadillac STS car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Cadillac STS (this trim level of the 2008 STS) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Cadillac STS is above $134 a month ($1.604 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Cadillac you drive (http://www.cadillac.com/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Cadillac model with 306 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Cadillac STS if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.
On average, car insurance cost for a 2008 Cadillac STS is $134 a month, which is around $1.604 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2008 Cadillac STS is a 16 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of STS (2008) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern STS cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.
Cadillac STS, has engine power of 3564 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.
Insurance Company New Vehicles * Used Vehicles *
Allied $1,183 $1,140
GEICO $870 $798
Nationwide $1,269 $998
Progressive $527 $428
State Farm $713 $527
Texas Farm Bureau $1,183 $955
USAA $941 $798
* Rough estimate for a new vs 16 years old used Cadillac STS, this trim level of the 2008 STS. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2008 Cadillac STS car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Cadillac, STS is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Cadillac (made in 2008) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Cadillac STS auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!
How much is car insurance for a 2008 Cadillac STS in 2023? As you can see below, the lowest rates are around $1425.6, while the highest ones fluctuate around $2993.76 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.
Insurance Company Annual Rates (Estimate*)
GEICO $1,518
American Family  $1,483
Erie $1,481
Progressive $1,745
State Farm $1,922
Auto Owners  $1,708
State Auto  $2,024
Nationwide $1,969
Farmers $1,718
Allstate $2,436
Safe Auto  $2,579
MetLife $2,751
Victoria $2,920
Allied $2,060
Liberty Mutual $2,456
Encompass $3,058
* Just a rough estimate for 2008 Cadillac STS, this trim level of the 2008 STS

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model STS, make Cadillac) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Cadillac, STS will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?
  • Don't ignore small regional insurers.
  • Review your existing coverage and choose a higher deductible.
  • Shopping around is the key to saving money on car insurance.
  • Negotiate with an agent or directly with auto insurance company.
  • Check for 2008 STS car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
  • If you don't qualify for these discounts, explore other options available or switch the insurance company.
  • Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2008 Cadillac STS auto insurance rates by state!

How much is 2008 Cadillac STS car insurance by location - rough estimate for model:  , 3564 cc, Sedan
How to calculate premium for Cadillac STS (2008) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2008 STS () car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).
Rank State Lowest Rates Highest Rates
1 Vermont $1,069 $1,497
2 Ohio $1,083 $1,525
3 Idaho $1,112 $1,568
4 Virginia $1,155 $1,639
5 Iowa $1,198 $1,696
6 New Hampshire $1,255 $1,725
7 Wisconsin $1,269 $1,768
8 North Dakota $1,297 $1,868
9 Indiana $1,326 $1,967
10 North Carolina $1,354 $2,039
11 Pennsylvania $1,369 $2,153
12 Utah $1,397 $2,181
13 Maine $1,411 $2,224
14 Massachusetts $1,440 $2,267
15 Alaska $1,454 $2,295
16 Tennessee $1,468 $2,352
17 South Dakota $1,483 $2,481
18 Nebraska $1,497 $2,552
19 Minnesota $1,511 $2,595
20 Illinois $1,511 $2,637
21 Hawaii $1,525 $2,694
22 Alabama $1,540 $2,737
23 Oregon $1,554 $2,780
24 Missouri $1,568 $2,880
25 Washington $1,639 $2,980
26 South Carolina $1,654 $3,051
27 Kansas $1,696 $3,108
28 New Mexico $1,725 $3,179
29 Arizona $1,768 $3,208
30 New York $1,796 $3,222
31 National average $1,853 $3,265
32 New Jersey $1,882 $3,364
33 West Virginia $1,939 $3,393
34 Mississippi $1,982 $3,436
35 Maryland $2,024 $3,478
36 Montana $2,081 $3,550
37 Nevada $2,124 $3,578
38 Arkansas $2,153 $3,635
39 Kentucky $2,167 $3,692
40 Oklahoma $2,238 $3,735
41 Wyoming $2,281 $3,764
42 Colorado $2,338 $3,835
43 Texas $2,381 $3,863
44 Delaware $2,438 $3,920
45 Georgia $2,495 $3,935
46 California $2,552 $3,977
47 DC $2,595 $4,006
48 Connecticut $2,652 $4,049
49 Rhode Island $2,680 $4,063
50 Florida $2,723 $4,148
51 Louisiana $2,780 $4,206
52 Michigan $2,837 $4,277
* Compare 2008 Cadillac STS car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Teen driver - how much is car insurance for young drivers?
Is it a good idea for a young driver to drive a car like 2008 Cadillac STS (Automatic transmission, 5200 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Cadillac STS annual insurance cost for a 16 year old is approximately $3278.88, while the cost of the same coverage for seniors aged 70 - 74 is $1511.136. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Cadillac, STS have 3564 cc, 306 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?
Your AgeAverage Rate (Estimate*)
16 - 19 $3,136
20 - 24 $3,051
25 - 29 $2,566
30 - 34 $2,210
35 – 39 $1,782
40 – 44 $1,853
45 – 49 $1,696
50 – 54 $1,483
55 – 59 $1,825
60 – 64 $1,525
65 – 69 $1,597
70 – 74 $1,440
75 and more $1,483
* Rough estimate for teens, adults and seniors who are driving Cadillac STS (2008)
Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $1,212 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Cadillac, STS good for senior drivers? If you have questions or issues relevant to Cadillac STS or another vehicle, please ask in the discussion.
You know you need to insure your 2008 4WD Cadillac, STS, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Cadillac STS: Exterior Specs, Features & Options

The engine of Cadillac, STS (6 cyl) is mated to a Automatic transmission, that in this case, sends power to the 4WD. STS Sedan, 3564 CC (liter), 306 ps (98.6% of a brake horsepower) is matched to an this trim level of the 2008 STS for 2008. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Cadillac, STS has horsepower of 306 ps & 3564 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model this trim level of the 2008 STS has an engine torque of 369 nm & 5200 rpm. The power and maximum speed of the Cadillac STS vehicle (7.4/100 Kph & sorry, we do not know the maximum speed of Cadillac, STS Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1560 kg is the weight of this model), its engine torque and the engine rotation speed.
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Cadillac, STS: specifications

Model body: Sedan
Model doors: 4
Model drive: 4WD
Model engine bore: 94.1
Model engine (cc): 3564
Model engine compression: 11.3:1
Model engine (cyl): 6
Model engine fuel: Gasoline - Premium
Model engine position: Front
Model engine power (ps/hp): 306
Model engine max power (rpm): 6300
Model engine stroke (mm): 85.6
Model engine torque (nm): 369
Model engine max torque (rpm): 5200
Model engine type: V
Model engine (valves per cyl): 4
Model fuel cap: 64
Model height: 1470
Model length: 4990
Model Lkm (city): 13.8
Model Lkm (hwy): 9.8
Model Lkm (mixed): 12.5
Model make: Cadillac
Model name: STS
Model seats: 5
Model to 100 (Kph): 7.4
Model top speed (kph): We are not sure, what is the top speed of STS Cadillac 2008, but the engine power is around 3564 cc.
Model Transmission type: Automatic
Model trim: What you drive can heavily impacts what you pay for your car insurance. Different trim levels of your 2008 Cadillac STS with varying engine sizes can increase your insurance premiums based on engine size. Also the more powerful the engine of the vehicle is, the more the premium will be.
Model weight: 1560
Model wheelbase: 2960
Model width: 1850
Model year: 2008
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How does the interior of the new STS look like? Read our review of the 2008 Cadillac STS interior and browse photo gallery featuring the interior of this vehicle. Do not forget why you are here - finding lower insurance premiums for the new/used STS What you drive can heavily impacts what you pay for your car insurance. Different trim levels of your 2008 Cadillac STS with varying engine sizes can increase your insurance premiums based on engine size. Also the more powerful the engine of the vehicle is, the more the premium will be. .

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