Cadillac ATS Insurance Rates

The average insurance rates for a Cadillac ATS are $1,200 a year for full coverage. Comprehensive insurance costs an estimated $214, collision insurance costs $368, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,602 or more. 16-year-old drivers cost the most to insure at up to $4,688 a year.

Average premium for full coverage: $1,200

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different ATS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $703
• Choosing higher $1,000 deductibles can save approximately $132 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,200
• Buying more expensive low deductibles for comp and collision coverage will cost an additional $258 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,602
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,688 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance ranges from 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac ATS insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $390 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Cadillac ATS Insurance

Finding cheaper rates on insurance for a Cadillac ATS takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a summary of the data covered above.

• Insureds who want higher liability limits will pay around $510 each year to raise limits from a 30/60 limit to the 250/500 level
• Drivers can save approximately $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teens are expensive to insure, costing up to $391 each month if comprehensive and collision insurance is included