Cadillac ATS Insurance Rates

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

Average premium for full coverage: $1,200

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and ATS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $703
• Choosing higher $1,000 deductibles can save around $1,068 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,200
• Using low $100 deductibles for comp and collision coverage will cost an extra $258 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,602
• Policy cost for full coverage for a teen driver may cost $4,688 each year

View Chart as Image

Auto insurance rates for a Cadillac ATS also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $390 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Cadillac ATS Insurance

Finding cheaper rates on Cadillac ATS insurance takes avoiding accidents and claims, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a brief summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $140 per year just by quoting early and online
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,400 more each year to insure a Cadillac ATS
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers under the age of 20 are charged the highest rates, as much as $391 each month if they have full coverage