Cadillac ATS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Estimated insurance rates for a Cadillac ATS-V are $1,526 a year including full coverage. Comprehensive insurance costs on average $318, collision costs $590, and liability costs $460. A policy with only liability insurance costs as little as $510 a year, with a high-risk policy costing $3,314 or more. Teenage drivers pay the most at $5,706 a year or more.
Average premium for full coverage: $1,526
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all ATS-V models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac ATS-V go from as low as $510 for minimum levels of liability insurance to the much higher price of $3,314 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates how where you live affects car insurance rates.
These rate differences highlight why everyone should compare rates based on a specific location 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.
Additional Rate Details
The chart below breaks down estimated Cadillac ATS-V insurance rates for different risk profiles and scenarios.
- The best discount rate is $869
- Drivers who choose higher $1,000 deductibles will pay around $206 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,526
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $398 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,314 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $5,706 a year
Car insurance prices for a Cadillac ATS-V also have a wide range based on your driving characteristics, the model of your ATS-V, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,700 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac ATS-V insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,180 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could save up to $610 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Cadillac ATS-V insurance for high-risk drivers can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.
| 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 Affordable Cadillac ATS-V Insurance
Finding better rates on insurance for a Cadillac ATS-V not only requires avoiding accidents and claims, but also having above-average credit, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a brief review of the ideas that were touched on in the above illustrations.
- Drivers under the age of 20 are expensive to insure, with the cost nearing $476 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,790 more each year to insure a Cadillac ATS-V
- Increasing policy deductibles can save around $600 each year
- You may be able to save as much as $190 per year simply 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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