Cadillac ATS Insurance Rates

Average auto insurance rates for a Cadillac ATS are $1,200 annually for full coverage. Comprehensive insurance costs around $214 a year, collision insurance costs $368, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,602 or more. Teenage drivers receive the highest rates at up to $4,688 a year.

Average premium for full coverage: $1,200

Rate estimates for individual coverage type:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and ATS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

The chart below shows average Cadillac ATS insurance rates for additional coverage choices and driver risks.

• The best discount rate is $703
• Choosing higher $1,000 deductibles can save about $1,068 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,200
• Using low $100 deductibles for comp and collision coverage costs an additional $258 each year
• Drivers who are prone to accidents and violations could pay at least $2,602
• The cost with full coverage for a teenage driver can be $4,688 each year

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $390 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Low Cost Cadillac ATS Insurance

Saving money on auto insurance takes having a good driving record, having a good credit history, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest time comparing rates once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a 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
• Consumers who may need increased levels of liability coverage will pay an extra $510 each year to raise limits from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger pay higher rates, costing as high as $391 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay an average of $1,400 more every year to buy Cadillac ATS insurance