Cadillac STS Insurance Cost
Get the best coverage for your Cadillac STS and your wallet.

Get the best coverage for your Cadillac STS and your wallet.
As a STS driver, you have the opportunity to choose Cadillac STS insurance that works best for your needs, and your wallet. As of 2025, average Cadillac STS insurance rates at Lemonade range from roughly $36 a month (learn more about the methodology here).
There are lots of factors that impact the cost of car insurance, we’ll get more into that below.
Lemonade Car offers STS drivers super customizable coverage options, great bundles, discounts for things like safe and low-mileage driving, and so much more to help give you peace of mind behind the wheel without breaking the bank.
Car insurance rates depend on a lot of factors, with a main point of interest for insurance providers being your car’s make (ie. Cadillac), your car model (ie. STS), model year, and trim—like sport, or sedan.
Here are some additional factors that can impact your Cadillac STS insurance premiums:
Learn more about what goes into how much car insurance costs, if you’re interested.
Check out average starting rates* for Cadillac STS model years 2013 to 2025.
Model Year | Average Monthly Cost | Average 6-Month Cost |
---|---|---|
Cadillac STS 2025 | $36 | $218 |
Cadillac STS 2024 | $36 | $218 |
Cadillac STS 2023 | $36 | $218 |
Cadillac STS 2022 | $36 | $218 |
Cadillac STS 2021 | $36 | $218 |
Cadillac STS 2020 | $36 | $218 |
Cadillac STS 2019 | $36 | $218 |
Cadillac STS 2018 | $36 | $218 |
Cadillac STS 2017 | $36 | $218 |
Cadillac STS 2016 | $36 | $218 |
Cadillac STS 2015 | $36 | $218 |
Cadillac STS 2014 | $36 | $218 |
Cadillac STS 2013 | $36 | $218 |
Yes, how much you pay to insure your Cadillac STS can vary depending on where you live—including your state.
For example, average car insurance rates for a 2013 Cadillac STS in Illinois range from roughly $36 a month, while monthly premiums in Texas range from about $68 for the same model and model year.
Keep in mind: Lemonade car insurance is currently available in a handful of states and will soon roll out to many more states nationwide (make sure to join our waitlist so you’ll be the first to know when we reach your state.)
There are so many ways you can save on your premium when you drive your Cadillac STS with Lemonade car insurance, including:
Sign up for Lemonade Car before your coverage start date. Planning ahead pays with Lemonade.
Glad you asked! We’re a bit biased, but… when you cover your Cadillac STS with Lemonade car insurance, you can enjoy great coverage, score savings and discounts, and help make the planet a little greener for generations to come.
Ready to take Lemonade Car for a spin in your Cadillac? Click below to start your free car insurance quote, from Lemonade. It’s quick, easy, and—dare we say—even kind of fun.
Lemonade Insurance conducted an internal analysis to evaluate policy rates across different makes and models of vehicles for a 32-year-old single female customer, currently holding a Lemonade Renters Policy in the state of Illinois. The policy considered includes only liability coverages with minimum state-mandated limits, and no optional coverages or upgrades. The customer resides in a zip code with an average cost of living, and has an insurance history that reflects no accidents, violations, or claims, with average driving patterns relative to other drivers in the state. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only. Quotes may vary depending on individual circumstances.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.