Cadillac ATS Insurance Rates

Average insurance rates for a Cadillac ATS are $1,174 a year for full coverage. Comprehensive insurance costs approximately $206 each year, collision insurance costs $346, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance 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:

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and ATS models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why all drivers should compare prices using their specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $693
• Using higher $1,000 deductibles will save $124 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,174
• Using low deductibles for physical damage coverage will cost an additional $244 a year
• Drivers who are prone to accidents and violations could pay around $2,546
• The cost that insures a teen driver can cost $4,606 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Cadillac ATS insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $370 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Cadillac ATS Insurance

Saving money on Cadillac ATS insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Compare prices at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the car insurance concepts covered above.

• High-risk drivers that have major violations or accidents could be forced to pay on average $1,370 more per year than a safer driver
• Drivers can save around $140 per year just by quoting online in advance
• Increasing deductibles can save approximately $375 each year
• Drivers who purchase an increased level of liability coverage will pay an extra $510 each year to increase from a minimum limit to the 250/500 level