Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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U.S. average insurance rates for a Cadillac ATS are $1,200 a year for full coverage insurance. Comprehensive costs around $214 each year, collision costs $368, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing around $2,602. Teens pay the highest rates at $4,688 a year or more.
Average premium for full coverage: $1,200
Price estimates for individual coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and ATS models.
Price Range from Low to High
For a driver in their 40's, Cadillac ATS insurance prices go from the low end price of $510 for just liability coverage to a high rate of $2,602 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code, instead of using 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 choices and driver risks.
- The cheapest rate after discounts is $703
- Raising to $1,000 deductibles will save about $132 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,200
- Selecting low deductibles bumps up the cost to $1,458
- At-risk drivers with serious driving violations could pay at least $2,602 or more
- The price that insures a teen driver can be $4,688
Insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age
The state you live in also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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 higher comprehensive and collision insurance deductibles can reduce prices by up to $390 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, so the prices may be quite 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 the Best Cadillac ATS Insurance
Getting lower rates on car insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at least every other year by quoting rates from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief recap of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,400 more every year to insure their ATS
- It is possible to save up to $140 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $400 each year
- Policyholders who may need more liability coverage will pay approximately $510 annually to raise from a low limit to the 250/500 level
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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