Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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Average insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive insurance costs approximately $214 a year, collision costs $368, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing $2,602 or more. Teens receive the highest rates at $4,688 a year or more.

Average premium for full coverage: $1,200

Rate estimates by individual coverage type:

Comprehensive $214
Collision $368
Liability $460

Estimates include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and ATS trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $510 for just liability coverage to a high of $2,602 for a policy for a high-risk driver.

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

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

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

These examples illustrate why it is important to compare rates using their specific location and risk profile, rather than relying on averaged prices.

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.

Detailed Rate Analysis

The chart below illustrates estimated Cadillac ATS insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $703
  • Drivers who choose higher $1,000 deductibles will pay $1,068 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,200
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $258 a year
  • High risk drivers with serious driving violations could pay around $2,602 or more
  • The cost for full coverage for a teen driver can cost $4,688 a year

View Chart as Image

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

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Cadillac ATS insurance rates. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $390 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different from one company to the next.

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 Low Cost Cadillac ATS Insurance

Saving money on Cadillac ATS insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every year by requesting rates from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following is a review of the coverage data covered above.

  • It is possible to save around $140 per year simply by quoting early and online
  • Increasing deductibles can save around $400 each year
  • Teens are expensive to insure, costing up to $391 per month for full coverage
  • High-risk drivers who have several accidents or serious violations may pay on average $1,400 more per year for ATS insurance

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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