Cadillac ATS Insurance Rates

U.S. average insurance prices for a Cadillac ATS are $1,174 every 12 months including full coverage. Comprehensive insurance costs an estimated $206 each year, collision insurance costs $346, and liability costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs $2,546 or more. Teenage drivers pay the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,174

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and ATS models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down average Cadillac ATS insurance rates for other coverage scenarios.

• The best discount rate is $693
• Using higher $1,000 deductibles will save approximately $124 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,174
• Using low deductibles for physical damage coverage costs an extra $244 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,546
• The price to insure a 16-year-old driver can cost as much as $4,606 or more

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Insurance prices for a Cadillac ATS are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $370 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,680 on average in Louisiana, New York, and Michigan.

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How to Shop for the Cheapest Cadillac ATS Insurance

Getting lower rates on insurance for a Cadillac ATS requires avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Invest time comparing rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a recap of the coverage data covered in the charts and tables above.

• You may be able to save approximately $140 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $375 each year
• Teenagers are expensive to insure, possibly costing $384 a month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,370 more annually for car insurance