Cadillac ATS Coupe Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 18, 2024
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Estimated auto insurance rates for a Cadillac ATS Coupe are $1,370 annually including full coverage. Comprehensive insurance costs an estimated $268 a year, collision costs $484, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,976 or more. Teen drivers pay the most at $5,224 a year or more.
Average premium for full coverage: $1,370
Premium estimates broken down by type of coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and ATS Coupe trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac ATS Coupe go from as cheap as $510 for just liability insurance to a high of $2,976 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how your location can change insurance prices.
These rate differences highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of using price 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 Details
The chart below breaks down estimated Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The lowest rate with discounts is $790
- Choosing higher $1,000 deductibles can save approximately $1,200 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,370
- Choosing low $100 deductibles for comp and collision coverage costs an additional $334 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,976 or more
- An auto insurance policy with full coverage for a teen driver can cost as much as $5,224 each year
Auto insurance prices for a Cadillac ATS Coupe also have a wide range based on the model of your ATS Coupe, your driving characteristics, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $510 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Cadillac ATS Coupe insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,960 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.
| 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 Buy Low Cost Cadillac ATS Coupe Insurance
Finding better rates on car insurance takes being safe and accident-free, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a review of the data that was illustrated above.
- You may be able to save approximately $160 per year simply by quoting early and online
- Policyholders who want more liability protection will pay about $510 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are the costliest to insure, with the cost nearing $435 per month if full coverage is included
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,610 more annually than a low-risk driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,704 |
| $250 | $1,548 |
| $500 | $1,370 |
| $1,000 | $1,200 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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