Cadillac ATS Insurance Rates

The average insurance prices for a Cadillac ATS are $1,174 every 12 months for full coverage. Comprehensive costs approximately $206 a year, collision insurance costs $346, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,546. Teens cost the most to insure at up to $4,606 a year.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and ATS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above show why it is important to compare rates using their specific location and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below shows average Cadillac ATS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $693
• Drivers who choose higher $1,000 deductibles will pay $1,050 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,174
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,418
• High-risk insureds with serious driving violations could pay around $2,546
• Policy cost to insure a teenage driver can cost $4,606 a year

View Chart as Image

Insurance rates for a Cadillac ATS also range considerably based on liability limits and deductibles, your driver profile, and the model of your ATS.

Choosing higher comprehensive and collision insurance deductibles could save up to $370 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheaper Cadillac ATS Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every other renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following list is a condensed summary of the concepts that were touched on in this article.

• Drivers with multiple at-fault accidents may pay on average $1,370 more per year than a safer driver
• Drivers age 16 to 20 are expensive to insure, costing up to $384 each month if they have full coverage
• Drivers can save around $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Drivers can save around $140 per year just by quoting early and online