Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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U.S. average auto insurance rates for a Cadillac ATS are $1,200 annually including full coverage. Comprehensive costs around $214, collision costs $368, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance 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:

Comprehensive $214
Collision $368
Liability $460

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different ATS trim levels.

Price Range from Low to High

For the normal driver, Cadillac ATS insurance prices go from as cheap as $510 for just the minimum liability insurance to a much higher rate of $2,602 for a driver that may need high-risk insurance.

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

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

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

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

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Additional Rate Analysis

The chart below breaks down estimated Cadillac ATS insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $703
  • Choosing higher $1,000 deductibles can save about $132 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,200
  • Selecting more expensive low deductibles for comp and collision coverage will cost $1,458
  • Higher-risk drivers with serious driving violations could pay at least $2,602 or more
  • The price with full coverage for a 16-year-old driver with full coverage can be $4,688 each year

View Chart as Image

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

Car insurance prices for a Cadillac ATS are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Cadillac ATS insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,710 on average in Michigan, New York, and Louisiana.

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

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each auto insurer calculates prices differently, so rate quotes may be quite different between companies.

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 Buy Affordable Cadillac ATS Insurance

Getting lower rates on insurance for a Cadillac ATS takes being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the data that was presented in the illustrations above.

  • You may be able to save up to $140 per year simply by shopping early and online
  • Insureds who may need more liability coverage will pay approximately $510 per year to raise limits from a low limit to higher 250/500 limits
  • Teen drivers are the costliest to insure, possibly costing $391 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,400 more every year to insure their ATS

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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