Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Estimated insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive costs around $214, collision costs $368, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,602. Teen drivers pay the most at $4,688 a year or more.
Average premium for full coverage: $1,200
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all ATS models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac ATS go from the low end price of $510 for the bare minimum liability coverage to the much higher price of $2,602 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why everyone should get quotes for a specific zip code, rather than using price 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 Information
The chart below illustrates estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $703
- Choosing higher $1,000 deductibles can save about $132 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,200
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,458
- Drivers with multiple violations and an at-fault accident could pay at least $2,602 or more
- An auto insurance policy that insures a teenage driver for full coverage can be $4,688 each year
Auto insurance prices for a Cadillac ATS also have a wide range based on the model of your ATS, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,400 to $2,000 in extra premium annually, depending on your age. Cadillac ATS insurance for high-risk drivers ranges around 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Cadillac ATS insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,620 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles can save as much as $390 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.
| 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 Cheaper Cadillac ATS Insurance
Finding better rates on auto insurance takes being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a condensed summary of the concepts that were covered in the charts and tables above.
- Drivers with multiple at-fault accidents could be forced to pay on average $1,400 more every year than a low-risk driver
- Youthful drivers are expensive to insure, with premiums being up to $391 per month if the policy includes full coverage
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $400 each year
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,338 |
| $500 | $1,200 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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