Cadillac ATS Insurance Rates

Average insurance rates for a Cadillac ATS are $1,248 a year for full coverage insurance. Comprehensive insurance costs around $230, collision insurance costs $400, and liability coverage is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $2,704 or more. Teenage drivers receive the highest rates at up to $4,836 a year.

Average premium for full coverage: $1,248

Rate estimates for individual coverage type:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all ATS models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

These examples illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $729
• Raising to $1,000 deductibles will save about $144 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,248
• Using pricier low deductibles will cost an extra $276 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,704
• The cost for full coverage for a teenage driver for full coverage can be $4,836

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you live also has a big influence on Cadillac ATS insurance rates. A middle-age driver might find rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $420 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. Cadillac ATS insurance for high-risk drivers is expensive and can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Cadillac ATS Insurance

Saving money on auto insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a condensed summary of the car insurance concepts touched on in this article.

• Drivers with multiple at-fault accidents may pay on average $1,460 more every year than a safer driver
• It is possible to save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $425 each year
• Consumers who may need an increased level of liability coverage will pay an extra $510 annually to raise from a minimum limit to 250/500 limits