Cadillac ATS Insurance Rates

U.S. average insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive costs on average $214 each 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 around $2,602. Teenage drivers pay the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,200

Price estimates by individual coverage:

Price estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and ATS models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $703
• Using higher $1,000 deductibles will save around $132 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,200
• Using low deductibles for physical damage coverage bumps up the cost to $1,458
• Drivers who are prone to accidents and violations could pay upwards of $2,602
• The price that insures a teen driver may cost $4,688 or more

View Chart as Image

Insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Cadillac ATS Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a condensed summary of the material that was touched on in this article.

• Policyholders who require higher liability limits will pay an extra $510 annually to increase from a low limit to the 250/500 level
• Teens pay higher prices, as much as $391 a month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,400 more each year for ATS insurance
• Increasing physical damage deductibles can save approximately $400 each year