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 $1,370 a year for full coverage. Comprehensive insurance costs an estimated $268, collision insurance costs $484, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,976 or more. Teens cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates broken down by type of insurance:

Comprehensive $268
Collision $484
Liability $460

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different ATS Coupe trim levels.

Price Range Variability

Using a middle-aged driver as an example, Cadillac ATS Coupe insurance rates range from the low end price of $510 for basic liability insurance to a much higher rate of $2,976 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,370
High Risk $2,976

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

The examples above show why anyone shopping for car insurance should compare rates for a targeted area, instead of using 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.

Rate Comparisons

The chart below shows average Cadillac ATS Coupe insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $790
  • Drivers who choose higher $1,000 deductibles will pay approximately $170 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,370
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $334 every year
  • Higher-risk drivers with serious driving violations could pay up to $2,976
  • Policy cost that insures a teen driver with full coverage can cost as much as $5,224 a year

View Chart as Image

Cadillac ATS Coupe insurance cost comparison chart
Column chart showing Cadillac ATS Coupe insurance prices range from $790 to $5,224 for full coverage

Insurance rates for a Cadillac ATS Coupe also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Your home state makes a big difference in Cadillac ATS Coupe insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,960 on average in New York, Louisiana, and Michigan.

Cadillac ATS Coupe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$130 -9.5%
Alaska $1,052 -$318 -23.2%
Arizona $1,138 -$232 -16.9%
Arkansas $1,370 -$0 0.0%
California $1,562 $192 14.0%
Colorado $1,310 -$60 -4.4%
Connecticut $1,410 $40 2.9%
Delaware $1,552 $182 13.3%
Florida $1,716 $346 25.3%
Georgia $1,266 -$104 -7.6%
Hawaii $984 -$386 -28.2%
Idaho $928 -$442 -32.3%
Illinois $1,022 -$348 -25.4%
Indiana $1,032 -$338 -24.7%
Iowa $926 -$444 -32.4%
Kansas $1,302 -$68 -5.0%
Kentucky $1,872 $502 36.6%
Louisiana $2,030 $660 48.2%
Maine $846 -$524 -38.2%
Maryland $1,132 -$238 -17.4%
Massachusetts $1,098 -$272 -19.9%
Michigan $2,382 $1,012 73.9%
Minnesota $1,148 -$222 -16.2%
Mississippi $1,642 $272 19.9%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,082 -$288 -21.0%
Nevada $1,646 $276 20.1%
New Hampshire $990 -$380 -27.7%
New Jersey $1,534 $164 12.0%
New Mexico $1,216 -$154 -11.2%
New York $1,444 $74 5.4%
North Carolina $788 -$582 -42.5%
North Dakota $1,122 -$248 -18.1%
Ohio $948 -$422 -30.8%
Oklahoma $1,410 $40 2.9%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,308 -$62 -4.5%
Rhode Island $1,830 $460 33.6%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,200 -$170 -12.4%
Texas $1,654 $284 20.7%
Utah $1,014 -$356 -26.0%
Vermont $940 -$430 -31.4%
Virginia $820 -$550 -40.1%
Washington $1,062 -$308 -22.5%
West Virginia $1,256 -$114 -8.3%
Wisconsin $950 -$420 -30.7%
Wyoming $1,222 -$148 -10.8%

View Chart as Image

Cadillac ATS Coupe insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Cadillac ATS Coupe Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac ATS Coupe $358 $690 $390 $1,596
2023 Cadillac ATS Coupe $344 $686 $398 $1,586
2022 Cadillac ATS Coupe $332 $668 $416 $1,574
2021 Cadillac ATS Coupe $320 $640 $430 $1,548
2020 Cadillac ATS Coupe $304 $618 $442 $1,522
2019 Cadillac ATS Coupe $292 $574 $452 $1,476
2018 Cadillac ATS Coupe $280 $540 $456 $1,434
2017 Cadillac ATS Coupe $268 $484 $460 $1,370
2015 Cadillac ATS Coupe $242 $418 $464 $1,282

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 Low Cost Cadillac ATS Coupe Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a review of the information touched on in the above illustrations.

  • Drivers can save approximately $160 per year just by shopping early and online
  • Teens are charged the highest rates, costing up to $435 each month if full coverage is included
  • Increasing comprehensive and collision deductibles can save approximately $500 each year
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,610 more annually for ATS Coupe insurance
  • Policyholders who want higher liability limits will pay approximately $510 each year to go from a 30/60 limit to the 250/500 level

Rates by Driver Age

Cadillac ATS Coupe Insurance Rates by Driver Age
Driver Age Premium
16 $5,224
20 $3,172
30 $1,420
40 $1,370
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Coupe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,462
100/300 $1,577
250/500 $1,876
100 CSL $1,508
300 CSL $1,761
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Coupe Insurance Rates for High Risk Drivers
Age Premium
16 $7,440
20 $5,054
30 $3,034
40 $2,976
50 $2,844
60 $2,820

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 $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $67
Online Quote $97
Total Discounts $580
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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