Cadillac ATS Insurance Rates

Average auto insurance rates for a Cadillac ATS are $1,174 annually for full coverage insurance. Comprehensive insurance costs on average $206, collision insurance costs $346, and liability coverage costs $464. A policy with just liability insurance costs as little as $514 a year, and coverage for high-risk drivers costs $2,546 or more. Teenage drivers receive the highest rates at up to $4,606 a year.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all ATS models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

These examples illustrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Cadillac ATS insurance rates for different risk profiles and scenarios.

• The best discount rate is $693
• Drivers who choose higher $1,000 deductibles will pay around $124 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,174
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $244 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,546
• The cost with full coverage for a teenage driver for full coverage may cost $4,606 a year

View Chart as Image

Insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional per year, depending on your age. Cadillac ATS insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $370 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Best Cadillac ATS Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was touched on above.

• Consumers who require more liability coverage will pay an extra $510 annually to go from a minimum limit to higher 250/500 limits
• Teen drivers pay higher rates, costing up to $384 per month if they have full coverage
• Drivers who tend to receive serious violations may pay on average $1,370 more each year to insure their ATS
• Increasing deductibles could save up to $375 each year