Cadillac ATS Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance prices for a Cadillac ATS are $1,300 every 12 months including full coverage. Comprehensive costs around $240, collision insurance costs $446, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $2,826. 16-year-old drivers pay the highest rates at up to $5,010 a year.
Average premium for full coverage: $1,300
Price estimates for individual coverage:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different ATS trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac ATS insurance prices range from the cheapest price of $508 for just the minimum liability insurance to a much higher rate of $2,826 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down average Cadillac ATS insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $752
- Raising to $1,000 deductibles will save about $156 every year
- The average price for the average middle-age driver using $500 deductibles is $1,300
- Buying more expensive low deductibles increases the price to $1,604
- Drivers with multiple tickets or accidents could pay at least $2,826
- The price to insure a 16-year-old driver with full coverage can be $5,010
Auto insurance prices for a Cadillac ATS are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $460 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 137% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,860 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Cadillac ATS||$240||$446||$456||$1,300|
|2015 Cadillac ATS||$230||$400||$460||$1,248|
|2013 Cadillac ATS||$206||$346||$464||$1,174|
Rates are averaged for all Cadillac ATS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Cadillac ATS Insurance
Getting lower rates on insurance for a Cadillac ATS consists of being a low-risk driver, having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a brief review of the material that was raised in the charts and tables above.
- Insureds who may need more liability coverage will pay around $500 per year to raise from a low limit to a 250/500 level
- Teen drivers are expensive to insure, possibly costing $418 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,530 more every year to insure their ATS
- Increasing physical damage deductibles could save as much as $450 each year
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$93|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.