Cadillac ATS Insurance Rates

The average insurance rates for a Cadillac ATS are $1,200 a year for full coverage. Comprehensive insurance costs around $214 a year, collision insurance costs $368, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers 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 for type of insurance:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and ATS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and risk profile, instead of using 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 additional coverage choices and driver risks.

• The best full coverage rate is $703
• Using higher $1,000 deductibles will save about $1,068 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,200
• Buying low $100 deductibles for physical damage coverage will cost an extra $258 every year
• Drivers with multiple tickets or accidents could pay at least $2,602
• Policy cost for full coverage for a teen driver can be $4,688 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Your home state has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $390 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Cadillac ATS Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a quick review of the data that was covered in the charts and tables above.

• Drivers can save up to $140 per year just by quoting early and online
• Policyholders who may need more liability coverage will pay around $510 each year to increase from a 30/60 limit to 250/500 limits
• Teen drivers pay higher rates, costing up to $391 each month for full coverage
• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,400 more every year to insure their ATS