Cadillac ATS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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The average insurance rates for a Cadillac ATS-V are $1,604 a year with full coverage. Comprehensive insurance costs an estimated $332, collision costs $658, and liability coverage is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $3,492 or more. Teens cost the most to insure at $5,972 a year or more.
Average premium for full coverage: $1,604
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all ATS-V models.
Price Range Variability
For a 40-year-old driver, Cadillac ATS-V insurance rates go from as low as $508 for just liability insurance to the much higher price of $3,492 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates how your location can change insurance prices.
The examples above demonstrate why everyone should compare rates quotes for a targeted area and risk profile, rather than 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.
More Rate Details
The chart below details estimated Cadillac ATS-V insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $904
- Raising to $1,000 deductibles will save approximately $226 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,604
- Selecting pricier low deductibles will cost an extra $438 each year
- Unlucky drivers with serious driving violations could pay up to $3,492 or more
- Policy cost for full coverage for a teenage driver for full coverage can cost as much as $5,972
Insurance rates for a Cadillac ATS-V also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,900 a year. View Rates by Age
Your home state also has a big influence on Cadillac ATS-V insurance rates. A middle-age driver might find rates as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,160 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,450 | -$154 | -9.6% |
| Alaska | $1,230 | -$374 | -23.3% |
| Arizona | $1,330 | -$274 | -17.1% |
| Arkansas | $1,604 | -$0 | 0.0% |
| California | $1,828 | $224 | 14.0% |
| Colorado | $1,532 | -$72 | -4.5% |
| Connecticut | $1,648 | $44 | 2.7% |
| Delaware | $1,814 | $210 | 13.1% |
| Florida | $2,006 | $402 | 25.1% |
| Georgia | $1,480 | -$124 | -7.7% |
| Hawaii | $1,152 | -$452 | -28.2% |
| Idaho | $1,084 | -$520 | -32.4% |
| Illinois | $1,194 | -$410 | -25.6% |
| Indiana | $1,208 | -$396 | -24.7% |
| Iowa | $1,082 | -$522 | -32.5% |
| Kansas | $1,522 | -$82 | -5.1% |
| Kentucky | $2,186 | $582 | 36.3% |
| Louisiana | $2,372 | $768 | 47.9% |
| Maine | $990 | -$614 | -38.3% |
| Maryland | $1,322 | -$282 | -17.6% |
| Massachusetts | $1,282 | -$322 | -20.1% |
| Michigan | $2,784 | $1,180 | 73.6% |
| Minnesota | $1,342 | -$262 | -16.3% |
| Mississippi | $1,920 | $316 | 19.7% |
| Missouri | $1,422 | -$182 | -11.3% |
| Montana | $1,722 | $118 | 7.4% |
| Nebraska | $1,262 | -$342 | -21.3% |
| Nevada | $1,920 | $316 | 19.7% |
| New Hampshire | $1,154 | -$450 | -28.1% |
| New Jersey | $1,790 | $186 | 11.6% |
| New Mexico | $1,420 | -$184 | -11.5% |
| New York | $1,688 | $84 | 5.2% |
| North Carolina | $922 | -$682 | -42.5% |
| North Dakota | $1,310 | -$294 | -18.3% |
| Ohio | $1,106 | -$498 | -31.0% |
| Oklahoma | $1,646 | $42 | 2.6% |
| Oregon | $1,468 | -$136 | -8.5% |
| Pennsylvania | $1,528 | -$76 | -4.7% |
| Rhode Island | $2,138 | $534 | 33.3% |
| South Carolina | $1,452 | -$152 | -9.5% |
| South Dakota | $1,352 | -$252 | -15.7% |
| Tennessee | $1,404 | -$200 | -12.5% |
| Texas | $1,930 | $326 | 20.3% |
| Utah | $1,186 | -$418 | -26.1% |
| Vermont | $1,098 | -$506 | -31.5% |
| Virginia | $960 | -$644 | -40.1% |
| Washington | $1,240 | -$364 | -22.7% |
| West Virginia | $1,468 | -$136 | -8.5% |
| Wisconsin | $1,112 | -$492 | -30.7% |
| Wyoming | $1,428 | -$176 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $670 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,900 to $2,600 additional every year, depending on your age. Cadillac ATS-V insurance for high-risk drivers is expensive and can cost around 44% to 132% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS-V | $424 | $840 | $390 | $1,812 |
| 2023 Cadillac ATS-V | $406 | $834 | $398 | $1,796 |
| 2022 Cadillac ATS-V | $394 | $814 | $416 | $1,782 |
| 2021 Cadillac ATS-V | $380 | $780 | $430 | $1,748 |
| 2020 Cadillac ATS-V | $358 | $752 | $442 | $1,710 |
| 2019 Cadillac ATS-V | $344 | $698 | $452 | $1,652 |
| 2018 Cadillac ATS-V | $332 | $658 | $456 | $1,604 |
| 2017 Cadillac ATS-V | $318 | $590 | $460 | $1,526 |
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 Affordable Cadillac ATS-V Insurance
Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a brief review of the material that was illustrated above.
- Consumers who want higher levels of liability will pay approximately $500 every year to raise from a 30/60 limit to 250/500 limits
- Teenage drivers are expensive to insure, as much as $498 each month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions may pay on average $1,890 more annually for auto insurance
- Increasing comprehensive and collision deductibles can save around $675 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,972 |
| 20 | $3,726 |
| 30 | $1,674 |
| 40 | $1,604 |
| 50 | $1,464 |
| 60 | $1,438 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,042 |
| $250 | $1,838 |
| $500 | $1,604 |
| $1,000 | $1,378 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,604 |
| 50/100 | $1,695 |
| 100/300 | $1,809 |
| 250/500 | $2,106 |
| 100 CSL | $1,741 |
| 300 CSL | $1,992 |
| 500 CSL | $2,174 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,550 |
| 20 | $5,942 |
| 30 | $3,572 |
| 40 | $3,492 |
| 50 | $3,338 |
| 60 | $3,310 |
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 | $87 |
| Multi-vehicle | $86 |
| Homeowner | $24 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $76 |
| Advance Quote | $82 |
| Online Quote | $116 |
| Total Discounts | $700 |
Discounts are estimated and may not be available from every company or in every state.
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