Cadillac ATS-V Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Average auto insurance rates for a Cadillac ATS-V are $1,526 annually for full coverage. Comprehensive costs approximately $318 each year, collision costs $590, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing around $3,314. 16-year-old drivers receive the highest rates at $5,706 a year or more.
Average premium for full coverage: $1,526
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and ATS-V models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $510 for a discount liability-only rate to a high rate of $3,314 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples show why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate 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.
Rates by State, City, and Model
The chart below shows estimated Cadillac ATS-V insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $869
- Raising to $1,000 deductibles will save $206 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,526
- Buying low deductibles will cost $1,924
- Drivers with multiple tickets or accidents could pay around $3,314 or more
- The cost with full coverage for a 16-year-old driver can cost $5,706
Insurance rates for a Cadillac ATS-V can also vary considerably based on the trim level of your ATS-V, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $610 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Cadillac ATS-V insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Iowa, Maine, and Idaho, or at least $2,180 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.
| 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 Buy Cheaper Cadillac ATS-V Insurance
Saving money on insurance for a Cadillac ATS-V consists of avoiding accidents and claims, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The points below are a condensed summary of the ideas that were raised in the charts and tables above.
- Drivers under the age of 20 are the costliest to insure, costing as high as $476 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,790 more per year to insure a Cadillac ATS-V
- Increasing deductibles could save up to $600 each year
- Drivers can save around $190 per year simply by quoting online in advance
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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