Cadillac ATS-V Insurance Rates
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UPDATED: Mar 30, 2024
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The average insurance rates for a Cadillac ATS-V are $1,526 a year including full coverage. Comprehensive costs approximately $318, collision insurance costs $590, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $3,314. Teens cost the most to insure at up to $5,706 a year.
Average premium for full coverage: $1,526
Policy rates by type of insurance:
Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all ATS-V models.
Price Range Variability
For a driver around age 40, Cadillac ATS-V insurance rates range from the low end price of $510 for the bare minimum liability coverage to the much higher price of $3,314 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why everyone should get quotes using their specific location, rather than relying 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 Information
The chart below breaks down average Cadillac ATS-V insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $869
- Choosing higher $1,000 deductibles can save $206 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,526
- Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,924
- High-risk insureds with serious driving violations could pay around $3,314
- Policy cost that insures a teen driver for full coverage can cost $5,706 each year
Insurance rates for a Cadillac ATS-V also range considerably based on the model of your ATS-V, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Cadillac ATS-V insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac ATS-V insurance rates. A good driver about age 40 could pay as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,180 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,378 | -$148 | -9.7% |
| Alaska | $1,170 | -$356 | -23.3% |
| Arizona | $1,268 | -$258 | -16.9% |
| Arkansas | $1,526 | -$0 | 0.0% |
| California | $1,738 | $212 | 13.9% |
| Colorado | $1,458 | -$68 | -4.5% |
| Connecticut | $1,568 | $42 | 2.8% |
| Delaware | $1,726 | $200 | 13.1% |
| Florida | $1,906 | $380 | 24.9% |
| Georgia | $1,408 | -$118 | -7.7% |
| Hawaii | $1,096 | -$430 | -28.2% |
| Idaho | $1,032 | -$494 | -32.4% |
| Illinois | $1,136 | -$390 | -25.6% |
| Indiana | $1,148 | -$378 | -24.8% |
| Iowa | $1,028 | -$498 | -32.6% |
| Kansas | $1,450 | -$76 | -5.0% |
| Kentucky | $2,080 | $554 | 36.3% |
| Louisiana | $2,258 | $732 | 48.0% |
| Maine | $942 | -$584 | -38.3% |
| Maryland | $1,258 | -$268 | -17.6% |
| Massachusetts | $1,222 | -$304 | -19.9% |
| Michigan | $2,648 | $1,122 | 73.5% |
| Minnesota | $1,278 | -$248 | -16.3% |
| Mississippi | $1,826 | $300 | 19.7% |
| Missouri | $1,354 | -$172 | -11.3% |
| Montana | $1,638 | $112 | 7.3% |
| Nebraska | $1,202 | -$324 | -21.2% |
| Nevada | $1,830 | $304 | 19.9% |
| New Hampshire | $1,098 | -$428 | -28.0% |
| New Jersey | $1,704 | $178 | 11.7% |
| New Mexico | $1,350 | -$176 | -11.5% |
| New York | $1,606 | $80 | 5.2% |
| North Carolina | $878 | -$648 | -42.5% |
| North Dakota | $1,248 | -$278 | -18.2% |
| Ohio | $1,052 | -$474 | -31.1% |
| Oklahoma | $1,568 | $42 | 2.8% |
| Oregon | $1,396 | -$130 | -8.5% |
| Pennsylvania | $1,454 | -$72 | -4.7% |
| Rhode Island | $2,036 | $510 | 33.4% |
| South Carolina | $1,382 | -$144 | -9.4% |
| South Dakota | $1,288 | -$238 | -15.6% |
| Tennessee | $1,336 | -$190 | -12.5% |
| Texas | $1,838 | $312 | 20.4% |
| Utah | $1,128 | -$398 | -26.1% |
| Vermont | $1,044 | -$482 | -31.6% |
| Virginia | $914 | -$612 | -40.1% |
| Washington | $1,180 | -$346 | -22.7% |
| West Virginia | $1,396 | -$130 | -8.5% |
| Wisconsin | $1,056 | -$470 | -30.8% |
| Wyoming | $1,360 | -$166 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $610 each year, whereas buying more liability protection will push rates upward. Changing 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
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS-V | $406 | $834 | $398 | $1,796 |
| 2023 Cadillac ATS-V | $394 | $814 | $416 | $1,782 |
| 2022 Cadillac ATS-V | $380 | $780 | $430 | $1,748 |
| 2021 Cadillac ATS-V | $358 | $752 | $442 | $1,710 |
| 2020 Cadillac ATS-V | $344 | $698 | $452 | $1,652 |
| 2019 Cadillac ATS-V | $332 | $658 | $456 | $1,604 |
| 2018 Cadillac ATS-V | $318 | $590 | $460 | $1,526 |
| 2017 Cadillac ATS-V | $296 | $542 | $460 | $1,456 |
Rates are averaged for all Cadillac ATS-V 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 More Affordable Cadillac ATS-V Insurance
Finding cheaper rates on Cadillac ATS-V insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every other policy renewal by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The following is a summary of the ideas that were covered above.
- Teens are expensive to insure, with premiums being up to $476 each month if full coverage is included
- High-risk drivers who have multiple accidents or major violations will likely pay on average $1,790 more per year for ATS-V insurance
- Increasing comprehensive and collision deductibles can save approximately $600 each year
- You may be able to save around $190 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,706 |
| 20 | $3,530 |
| 30 | $1,590 |
| 40 | $1,526 |
| 50 | $1,392 |
| 60 | $1,366 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,924 |
| $250 | $1,740 |
| $500 | $1,526 |
| $1,000 | $1,320 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,526 |
| 50/100 | $1,618 |
| 100/300 | $1,733 |
| 250/500 | $2,032 |
| 100 CSL | $1,664 |
| 300 CSL | $1,917 |
| 500 CSL | $2,101 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,156 |
| 20 | $5,626 |
| 30 | $3,386 |
| 40 | $3,314 |
| 50 | $3,164 |
| 60 | $3,138 |
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 | $82 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $71 |
| Advance Quote | $77 |
| Online Quote | $109 |
| Total Discounts | $657 |
Discounts are estimated and may not be available from every company or in every state.
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