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 a year, collision insurance costs $368, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,602. Teen drivers pay the most at up to $4,688 a year.
Average premium for full coverage: $1,200
Premium estimates for type of coverage:
Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and ATS trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Cadillac ATS range from the low end price of $510 for just liability insurance to a high of $2,602 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why it is important to compare prices for a specific zip code, rather than relying on 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.
More Rate Details
The chart below illustrates average Cadillac ATS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $703
- Using higher $1,000 deductibles will save about $1,068 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,200
- Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,458
- Drivers with multiple violations and an at-fault accident could pay at least $2,602
- An auto insurance policy that insures a teen driver can be $4,688 or more
Insurance prices for a Cadillac ATS also have a wide range based on the trim level 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 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac ATS insurance rates. A driver around age 40 might see prices 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 could cut prices by as much as $390 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
| 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 Cadillac ATS insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around every other policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a condensed summary of the ideas that were raised in the charts and tables above.
- Teens pay higher prices, with premiums being up to $391 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,400 more every year for ATS insurance
- Increasing policy deductibles can save approximately $400 each year
- It is possible to save up to $140 per year just by quoting early and online
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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