Cadillac ATS Insurance Rates

The average insurance rates for a Cadillac ATS are $1,174 a year for full coverage. Comprehensive costs approximately $206 each year, collision insurance costs $346, and liability coverage costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs around $2,546. Teen drivers 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:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and ATS models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates using their specific location, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $693
• Drivers who choose higher $1,000 deductibles will pay $124 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,174
• Choosing low deductibles for comprehensive and collision insurance bumps up the cost to $1,418
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,546
• Policy cost that insures a teenage driver can cost $4,606 a year

View Chart as Image

Car insurance rates for a Cadillac ATS also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

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 as much as $1,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $370 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cadillac ATS Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Shop around every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were covered above.

• Teenage drivers pay the highest auto insurance rates, costing up to $384 each month if full coverage is purchased
• Drivers who tend to receive serious violations could be forced to pay on average $1,370 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Drivers can save around $140 per year just by quoting online in advance