Cadillac ATS Insurance Rates

The average insurance rates for a Cadillac ATS are $1,200 a year for full coverage. Comprehensive costs an estimated $214, collision insurance costs $368, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,602. Teen 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:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different ATS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $703
• Using higher $1,000 deductibles will save approximately $132 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,200
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,458
• Drivers with multiple violations and an at-fault accident could pay up to $2,602
• Policy cost that insures a teen driver with full coverage can cost as much as $4,688 or more

View Chart as Image

Auto 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 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $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 Iowa, Maine, and Idaho, or as much as $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $390 every year, 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 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Cadillac ATS Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around at every policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data raised in the charts and tables above.

• Policyholders who want increased liability limits will pay about $510 each year to increase 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
• Drivers under the age of 20 are the costliest to insure, costing up to $391 each month if the policy includes full coverage