Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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UPDATED: May 18, 2024
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The average insurance rates for a Cadillac ATS Coupe are $1,314 a year with full coverage. Comprehensive costs an estimated $250 a year, collision costs $446, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,852. Teens cost the most to insure at $5,046 a year or more.
Average premium for full coverage: $1,314
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and ATS Coupe trim levels.
Price Range Variability
For an average driver, Cadillac ATS Coupe insurance rates go from the low end price of $510 for minimum levels of liability insurance to a high of $2,852 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.
The diagram below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why it is important to get quotes for a targeted area, instead of making a decision based on 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.
Additional Rate Details
The chart below details estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $762
- Choosing higher $1,000 deductibles can save approximately $1,156 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,314
- Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,622
- Higher-risk drivers with serious driving violations could pay up to $2,852 or more
- Policy cost that insures a 16-year-old driver can cost as much as $5,046 each year
Car insurance rates for a Cadillac ATS Coupe also range considerably based on the trim level of your ATS Coupe, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac ATS Coupe insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,780 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$126 | -9.6% |
| Alaska | $1,008 | -$306 | -23.3% |
| Arizona | $1,092 | -$222 | -16.9% |
| Arkansas | $1,314 | -$0 | 0.0% |
| California | $1,498 | $184 | 14.0% |
| Colorado | $1,258 | -$56 | -4.3% |
| Connecticut | $1,352 | $38 | 2.9% |
| Delaware | $1,488 | $174 | 13.2% |
| Florida | $1,644 | $330 | 25.1% |
| Georgia | $1,214 | -$100 | -7.6% |
| Hawaii | $944 | -$370 | -28.2% |
| Idaho | $890 | -$424 | -32.3% |
| Illinois | $978 | -$336 | -25.6% |
| Indiana | $990 | -$324 | -24.7% |
| Iowa | $888 | -$426 | -32.4% |
| Kansas | $1,250 | -$64 | -4.9% |
| Kentucky | $1,794 | $480 | 36.5% |
| Louisiana | $1,946 | $632 | 48.1% |
| Maine | $810 | -$504 | -38.4% |
| Maryland | $1,086 | -$228 | -17.4% |
| Massachusetts | $1,052 | -$262 | -19.9% |
| Michigan | $2,284 | $970 | 73.8% |
| Minnesota | $1,102 | -$212 | -16.1% |
| Mississippi | $1,574 | $260 | 19.8% |
| Missouri | $1,166 | -$148 | -11.3% |
| Montana | $1,412 | $98 | 7.5% |
| Nebraska | $1,038 | -$276 | -21.0% |
| Nevada | $1,576 | $262 | 19.9% |
| New Hampshire | $948 | -$366 | -27.9% |
| New Jersey | $1,470 | $156 | 11.9% |
| New Mexico | $1,164 | -$150 | -11.4% |
| New York | $1,386 | $72 | 5.5% |
| North Carolina | $756 | -$558 | -42.5% |
| North Dakota | $1,076 | -$238 | -18.1% |
| Ohio | $910 | -$404 | -30.7% |
| Oklahoma | $1,352 | $38 | 2.9% |
| Oregon | $1,204 | -$110 | -8.4% |
| Pennsylvania | $1,254 | -$60 | -4.6% |
| Rhode Island | $1,754 | $440 | 33.5% |
| South Carolina | $1,192 | -$122 | -9.3% |
| South Dakota | $1,110 | -$204 | -15.5% |
| Tennessee | $1,152 | -$162 | -12.3% |
| Texas | $1,584 | $270 | 20.5% |
| Utah | $974 | -$340 | -25.9% |
| Vermont | $900 | -$414 | -31.5% |
| Virginia | $788 | -$526 | -40.0% |
| Washington | $1,018 | -$296 | -22.5% |
| West Virginia | $1,204 | -$110 | -8.4% |
| Wisconsin | $910 | -$404 | -30.7% |
| Wyoming | $1,172 | -$142 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $470 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2023 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2022 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2021 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2020 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac ATS Coupe | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac ATS Coupe | $250 | $446 | $460 | $1,314 |
| 2015 Cadillac ATS Coupe | $236 | $390 | $474 | $1,258 |
Rates are averaged for all Cadillac ATS Coupe 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 Affordable Cadillac ATS Coupe Insurance
Finding cheaper rates on insurance for a Cadillac ATS Coupe takes being a low-risk driver, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The items below are a brief review of the material that was covered in the above illustrations.
- Insureds who want more liability coverage will pay approximately $510 every year to raise limits from a 30/60 limit to the 250/500 level
- Teen drivers have the highest car insurance rates, as much as $421 each month if full coverage is purchased
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,540 more annually to insure their ATS Coupe
- Increasing comprehensive and collision deductibles can save approximately $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,046 |
| 20 | $3,040 |
| 30 | $1,360 |
| 40 | $1,314 |
| 50 | $1,204 |
| 60 | $1,180 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,622 |
| $250 | $1,478 |
| $500 | $1,314 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,314 |
| 50/100 | $1,406 |
| 100/300 | $1,521 |
| 250/500 | $1,820 |
| 100 CSL | $1,452 |
| 300 CSL | $1,705 |
| 500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,176 |
| 20 | $4,844 |
| 30 | $2,904 |
| 40 | $2,852 |
| 50 | $2,724 |
| 60 | $2,700 |
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 | $69 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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