Cadillac ATS Coupe Insurance Rates
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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 including full coverage. Comprehensive costs around $250 a year, collision costs $446, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,852. Teenage drivers cost the most to insure at $5,046 a year or more.
Average premium for full coverage: $1,314
Policy rates for type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and ATS Coupe trim levels.
Price Range Variability
Using a middle-aged driver as an example, Cadillac ATS Coupe insurance rates go from as low as $510 for just liability coverage to a high of $2,852 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how where you live affects auto insurance rates.
The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on 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 breaks down estimated Cadillac ATS Coupe insurance rates for additional coverage choices and driver risks.
- The best discount rate is $762
- Raising to $1,000 deductibles will save about $1,156 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,314
- Using low $100 deductibles will increase the cost to $1,622
- Drivers who are prone to accidents and violations could pay at least $2,852 or more
- Policy cost for full coverage for a 16-year-old driver can be $5,046
Car insurance rates for a Cadillac ATS Coupe also range considerably based on your risk profile, the model of your ATS Coupe, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age
Your home state also has a big influence on Cadillac ATS Coupe insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,880 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can reduce rates by up to $470 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.
| 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 the Best Cheap Cadillac ATS Coupe Insurance
Finding cheaper rates on insurance for a Cadillac ATS Coupe consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick review of the data touched on in the above illustrations.
- Insureds who may need increased levels of liability coverage will pay an extra $510 per year to raise from a 30/60 limit to 250/500 limits
- You may be able to save up to $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $475 each year
- Drivers age 20 and younger are the costliest to insure, with premiums being up to $421 each month if full coverage is included
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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