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 including full coverage. Comprehensive insurance costs an estimated $214, collision insurance costs $368, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,602 or more. 16-year-old drivers pay the highest rates at up to $4,688 a year.
Average premium for full coverage: $1,200
Price estimates broken down by individual coverage:
Includes $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all ATS models.
Price Range from Low to High
For a driver in their 40's, Cadillac ATS insurance prices range from the low end price of $510 for your basic liability-only policy to the much higher price of $2,602 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how location helps determine insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area, rather than using rate 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 Information
The chart below breaks down average Cadillac ATS insurance rates for other coverage scenarios.
- The best full coverage rate is $703
- Raising to $1,000 deductibles will save approximately $132 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,200
- Buying pricier low deductibles will cost an additional $258 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,602
- The price that insures a teenage driver for full coverage can cost as much as $4,688
Car insurance prices for a Cadillac ATS are also quite variable based on the model of your ATS, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. Cadillac ATS insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age
The state you live in also has a big influence on Cadillac ATS insurance rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $390 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection 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
| 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 Cheapest Cadillac ATS Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, being claim-free, and possibly higher deductibles. Comparison shop every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a recap of the information covered in the charts and tables above.
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
- Teens have the highest car insurance prices, possibly costing $391 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $400 each year
- Drivers that have major violations or accidents could be charged and average of $1,400 more annually for ATS insurance
- Consumers who want higher liability limits will pay around $510 per year 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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