Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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The average insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive costs on average $214 each year, collision insurance costs $368, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,602. 16-year-old 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:

Comprehensive $214
Collision $368
Liability $460

Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and ATS models.

Price Range Variability

For the average 40-year-old driver, Cadillac ATS insurance rates range from as low as $510 for a discount liability-only rate to a high rate of $2,602 for high-risk insurance.

Liability Only $510
Full Coverage $1,200
High Risk $2,602

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

The examples above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

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Rates by State, City, and Model

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

  • The best full coverage rate is $703
  • Raising to $1,000 deductibles will save around $132 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,200
  • Buying low deductibles will increase the cost to $1,458
  • Drivers with multiple tickets or accidents could pay upwards of $2,602
  • Policy cost for full coverage for a 16-year-old driver may cost $4,688

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance rates range from $703 to $4,688 for full coverage

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $920 -$280 -23.3%
Arizona $998 -$202 -16.8%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,148 -$52 -4.3%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,502 $302 25.2%
Georgia $1,108 -$92 -7.7%
Hawaii $862 -$338 -28.2%
Idaho $814 -$386 -32.2%
Illinois $894 -$306 -25.5%
Indiana $904 -$296 -24.7%
Iowa $808 -$392 -32.7%
Kansas $1,142 -$58 -4.8%
Kentucky $1,638 $438 36.5%
Louisiana $1,778 $578 48.2%
Maine $742 -$458 -38.2%
Maryland $990 -$210 -17.5%
Massachusetts $962 -$238 -19.8%
Michigan $2,086 $886 73.8%
Minnesota $1,006 -$194 -16.2%
Mississippi $1,438 $238 19.8%
Missouri $1,064 -$136 -11.3%
Montana $1,290 $90 7.5%
Nebraska $946 -$254 -21.2%
Nevada $1,442 $242 20.2%
New Hampshire $866 -$334 -27.8%
New Jersey $1,344 $144 12.0%
New Mexico $1,064 -$136 -11.3%
New York $1,266 $66 5.5%
North Carolina $692 -$508 -42.3%
North Dakota $984 -$216 -18.0%
Ohio $830 -$370 -30.8%
Oklahoma $1,234 $34 2.8%
Oregon $1,100 -$100 -8.3%
Pennsylvania $1,146 -$54 -4.5%
Rhode Island $1,604 $404 33.7%
South Carolina $1,088 -$112 -9.3%
South Dakota $1,012 -$188 -15.7%
Tennessee $1,052 -$148 -12.3%
Texas $1,448 $248 20.7%
Utah $888 -$312 -26.0%
Vermont $822 -$378 -31.5%
Virginia $718 -$482 -40.2%
Washington $930 -$270 -22.5%
West Virginia $1,100 -$100 -8.3%
Wisconsin $830 -$370 -30.8%
Wyoming $1,070 -$130 -10.8%

View Chart as Image

Cadillac ATS insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $390 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac ATS $294 $566 $398 $1,416
2023 Cadillac ATS $284 $552 $416 $1,410
2022 Cadillac ATS $274 $530 $430 $1,392
2021 Cadillac ATS $260 $512 $442 $1,372
2020 Cadillac ATS $250 $474 $452 $1,334
2019 Cadillac ATS $240 $446 $456 $1,300
2017 Cadillac ATS $214 $368 $460 $1,200
2016 Cadillac ATS $206 $346 $464 $1,174
2015 Cadillac ATS $202 $322 $474 $1,156
2013 Cadillac ATS $182 $272 $478 $1,090

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 Find the Cheapest Cadillac ATS Insurance

Finding cheaper rates on insurance for a Cadillac ATS consists of avoiding accidents and claims, maintaining good credit, being claim-free, and determing if full coverage is necessary. Make time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a recap of the material that was touched on in this article.

  • Insureds who require increased liability limits will pay around $510 annually to raise from a 30/60 limit to 250/500 limits
  • Drivers under the age of 20 pay the highest rates, possibly costing $391 each month for full coverage
  • Drivers considered higher risk that have major violations or accidents 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

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $4,688
20 $2,774
30 $1,236
40 $1,200
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,338
$500 $1,200
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $6,646
20 $4,422
30 $2,642
40 $2,602
50 $2,488
60 $2,466

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $497
Rate after discounts $703

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

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