Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Average auto insurance rates for a Cadillac ATS are $1,200 annually for full coverage. Comprehensive insurance costs on average $214, collision insurance costs $368, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,602 or more. Teenage drivers receive the highest rates at up to $4,688 a year.
Average premium for full coverage: $1,200
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all ATS models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $510 for just liability coverage to the much higher price of $2,602 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.
These examples show why everyone should get quotes based on a specific location and their own personal driving habits, rather than using average rates.
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 shows average Cadillac ATS insurance rates for different risk profiles and scenarios.
- The best discount rate is $703
- Choosing higher $1,000 deductibles can save around $132 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,200
- Using pricier low deductibles for comp and collision coverage costs an additional $258 each year
- Drivers who are prone to accidents and violations could pay upwards of $2,602
- The cost with full coverage for a teenage driver for full coverage may cost $4,688 each year
Car insurance rates for a Cadillac ATS can also vary considerably based on the trim level of your ATS, your driver profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra per year, depending on your age. Cadillac ATS insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $390 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you 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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.
| 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% |
| 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
Saving money on auto insurance takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The points below are a brief review of the data that was raised in the charts and tables above.
- Drivers can save as much as $140 per year just by quoting online well ahead of the renewal date
- Consumers who require increased liability limits will pay an extra $510 each year to raise limits from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are expensive to insure, costing as high as $391 per month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,400 more each year to insure a Cadillac ATS
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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