1. Vehicles
  2. Cadillac
  3. ATS-V
  4. 2016 Model Year

2016 Cadillac ATS-V Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 3, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2016 Cadillac ATS-V are $1,710 a year for full coverage insurance. Comprehensive costs around $358, collision insurance costs $752, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $3,742. Teen drivers receive the highest rates at up to $6,322 a year.

Annual premium for full coverage: $1,710

Rate estimates for 2016 Cadillac ATS-V Insurance

Comprehensive $358
Collision $752
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 Cadillac ATS-V models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $496 for basic liability insurance to the much higher price of $3,742 for high-risk insurance.

Liability Only $496
Full Coverage $1,710
High Risk $3,742

View Chart as Image

2016 Cadillac ATS-V insurance rates compared
Column chart showing 2016 Cadillac ATS-V insurance prices range from $956 to $6,322 for full coverage

These differences illustrate why everyone should compare prices for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2016 Cadillac ATS-V Insurance

Searching Companies

People who are new to comparison shopping online could find purchasing low-cost insurance coverage nearly impossible.

Cadillac ATS-V insurance premiums are calculated by many factors

Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” used by your company to calculate rates.

  • Do you need the policy add-ons? – There are quite a few extra coverages that can waste your money on your ATS-V policy. Insurance for personal injury protection, accident forgiveness and term life insurance may be wasting your money. They may seem like a good idea at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Better credit scores mean better rates – Having a bad credit score is a big factor in determining your rates. If your credit history is lower than you’d like, you could pay less to insure your 2016 Cadillac ATS-V by improving your rating. People with good credit tend to be more responsible than drivers who have poor credit.
  • Big city or small town – Living in less populated areas is a positive aspect when buying auto insurance. Lower population means fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have more traffic problems and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Do you know your deductibles? – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Cadillac from damage. Examples of covered claims are collision with another vehicle, collision with an animal, and burglary. Deductibles for physical damage are the amount of money you are required to spend before your auto insurance pays a claim. The more money you’re willing to pay, the lower your rates will be on ATS-V insurance.
  • Teen drivers pay high rates – Youthful drivers are statistically proven to be more careless behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teen driver onto your auto insurance can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Safe vehicles cost less to insure – Safer cars get lower rates. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If the Cadillac ATS-V has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Marriage brings a discount – Being married can actually save you money on your policy. It usually means you are more mature and responsible it has been statistically shown that drivers who are married are more cautious.

Take advantage of discounts

Car insurance companies don’t always publicize all their discounts very well, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving.

  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

A partial list of companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Do drivers who switch really save $484 a year?

Insurance companies such as 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all seem to make the same claim of big savings if you change to their company. How do they all make the same claim?

Different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a preferred risk might be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Drivers who don’t measure up to the requirements will have to pay higher rates and ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can state the savings. Because of the profiling, drivers must get as many comparisons as possible. Because you never know which insurance company will have the lowest Cadillac ATS-V insurance rates.

How to know if you need help

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you could use an agent’s help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Should I bundle my homeowners policy with my auto?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I have a commercial auto policy?
  • Can I rent a car in Mexico?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Coverage specifics

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured or underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, vandalism, hitting a deer and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like medical expenses, pain and suffering, court costs and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage protection

Collision insurance covers damage to your ATS-V resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses such as surgery, nursing services, rehabilitation expenses, X-ray expenses and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Never pay more for less

We just showed you many ways to compare 2016 Cadillac ATS-V insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the best prices are with the least-expected company.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an insured cut full coverage only to regret at claim time that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Insureds who switch companies do it for many reasons like policy non-renewal, policy cancellation, delays in paying claims or unfair underwriting practices. No matter why you want to switch, switching insurance companies is pretty easy and you might even save some money in the process.

For more information, feel free to visit the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 Cadillac ATS-V Insurance Rates by City
City Premium
New York City, NY $2,706
Los Angeles, CA $2,925
Philadelphia, PA $2,288
Jacksonville, FL $2,482
Phoenix, AZ $1,991
Chicago, IL $2,297
Houston, TX $2,681
Seattle, WA $1,666
Columbus, OH $1,433
Indianapolis, IN $1,458

Rates by Driver Age

2016 Cadillac ATS-V Insurance Rates by Driver Age
Driver Age Premium
16 $6,322
20 $3,994
30 $1,796
40 $1,710
50 $1,564
60 $1,536

Full coverage, $500 deductibles

Rates by Deductible

2016 Cadillac ATS-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,206
$250 $1,976
$500 $1,710
$1,000 $1,458

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,710
50/100 $1,798
100/300 $1,909
250/500 $2,196
100 CSL $1,843
300 CSL $2,086
500 CSL $2,263

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Cadillac ATS-V Insurance Rates for High Risk Drivers
Age Premium
16 $9,070
20 $6,374
30 $3,834
40 $3,742
50 $3,572
60 $3,542

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.

SR-22 Surcharge $248

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $93
Multi-vehicle $92
Homeowner $24
5-yr Accident Free $135
5-yr Claim Free $113
Paid in Full/EFT $84
Advance Quote $89
Online Quote $124
Total Discounts $754
Rate after discounts $956

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2016 Cadillac ATS-V Insurance Rates by State
State Premium
Alabama $1,548
Alaska $1,312
Arizona $1,422
Arkansas $1,710
California $1,950
Colorado $1,634
Connecticut $1,760
Delaware $1,938
Florida $2,140
Georgia $1,580
Hawaii $1,230
Idaho $1,158
Illinois $1,276
Indiana $1,290
Iowa $1,154
Kansas $1,626
Kentucky $2,336
Louisiana $2,534
Maine $1,056
Maryland $1,412
Massachusetts $1,370
Michigan $2,972
Minnesota $1,432
Mississippi $2,052
Missouri $1,518
Montana $1,840
Nebraska $1,348
Nevada $2,052
New Hampshire $1,232
New Jersey $1,912
New Mexico $1,516
New York $1,804
North Carolina $986
North Dakota $1,402
Ohio $1,184
Oklahoma $1,758
Oregon $1,568
Pennsylvania $1,634
Rhode Island $2,284
South Carolina $1,550
South Dakota $1,444
Tennessee $1,500
Texas $2,062
Utah $1,268
Vermont $1,172
Virginia $1,028
Washington $1,322
West Virginia $1,568
Wisconsin $1,184
Wyoming $1,526

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles