Cadillac ATS Insurance Rates

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UPDATED: Mar 30, 2024

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Estimated insurance rates for a Cadillac ATS are $1,248 a year with full coverage. Comprehensive insurance costs around $230 each year, collision insurance costs $400, and liability costs $460. A policy with only liability insurance costs as little as $510 a year, and a high-risk policy costs $2,704 or more. Teenage drivers pay the most at up to $4,836 a year.

Average premium for full coverage: $1,248

Premium estimates for type of coverage:

Comprehensive $230
Collision $400
Liability $460

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and ATS models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Cadillac ATS range from as low as $510 for just the minimum liability insurance to a high rate of $2,704 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,248
High Risk $2,704

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of using 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 Analysis

The chart below details average Cadillac ATS insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $729
  • Drivers who choose higher $1,000 deductibles will pay about $144 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,248
  • Using low deductibles for comprehensive and collision insurance will cost an extra $276 every year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,704
  • An auto insurance policy for full coverage for a teen driver can be $4,836 a year

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance prices range from $729 to $4,836 for full coverage

Car insurance prices for a Cadillac ATS also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac ATS insurance prices. A 40-year-old driver could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,690 on average in Florida, Michigan, and New York.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$118 -9.5%
Alaska $958 -$290 -23.2%
Arizona $1,036 -$212 -17.0%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,194 -$54 -4.3%
Connecticut $1,284 $36 2.9%
Delaware $1,414 $166 13.3%
Florida $1,560 $312 25.0%
Georgia $1,152 -$96 -7.7%
Hawaii $896 -$352 -28.2%
Idaho $846 -$402 -32.2%
Illinois $928 -$320 -25.6%
Indiana $938 -$310 -24.8%
Iowa $840 -$408 -32.7%
Kansas $1,186 -$62 -5.0%
Kentucky $1,702 $454 36.4%
Louisiana $1,848 $600 48.1%
Maine $772 -$476 -38.1%
Maryland $1,030 -$218 -17.5%
Massachusetts $1,000 -$248 -19.9%
Michigan $2,168 $920 73.7%
Minnesota $1,046 -$202 -16.2%
Mississippi $1,494 $246 19.7%
Missouri $1,108 -$140 -11.2%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,498 $250 20.0%
New Hampshire $900 -$348 -27.9%
New Jersey $1,396 $148 11.9%
New Mexico $1,106 -$142 -11.4%
New York $1,316 $68 5.4%
North Carolina $718 -$530 -42.5%
North Dakota $1,022 -$226 -18.1%
Ohio $862 -$386 -30.9%
Oklahoma $1,284 $36 2.9%
Oregon $1,144 -$104 -8.3%
Pennsylvania $1,190 -$58 -4.6%
Rhode Island $1,666 $418 33.5%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,092 -$156 -12.5%
Texas $1,504 $256 20.5%
Utah $924 -$324 -26.0%
Vermont $854 -$394 -31.6%
Virginia $748 -$500 -40.1%
Washington $968 -$280 -22.4%
West Virginia $1,144 -$104 -8.3%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

Cadillac ATS insurance rates by U.S. city

Using high physical damage deductibles could save up to $420 every year, whereas increasing liability limits will increase prices. Moving 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 may be forking out at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac ATS $306 $570 $390 $1,424
2023 Cadillac ATS $294 $566 $398 $1,416
2022 Cadillac ATS $284 $552 $416 $1,410
2021 Cadillac ATS $274 $530 $430 $1,392
2020 Cadillac ATS $260 $512 $442 $1,372
2019 Cadillac ATS $250 $474 $452 $1,334
2017 Cadillac ATS $230 $400 $460 $1,248
2016 Cadillac ATS $214 $368 $460 $1,200
2015 Cadillac ATS $206 $346 $464 $1,174
2013 Cadillac ATS $186 $300 $474 $1,118

Rates are averaged for all Cadillac ATS 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 Cheaper Cadillac ATS Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and consideration of higher deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a condensed summary of the information touched on above.

  • You may be able to save up to $150 per year just by quoting online in advance
  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $403 per month if full coverage is included
  • Increasing policy deductibles can save around $425 each year
  • Higher risk drivers with multiple at-fault accidents pay an average of $1,460 more every year than a driver with a clean driving record
  • Policyholders who may need additional liability coverage will pay an extra $510 every year to go from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $4,836
20 $2,884
30 $1,288
40 $1,248
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,524
$250 $1,396
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,340
100/300 $1,455
250/500 $1,754
100 CSL $1,386
300 CSL $1,639
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $6,868
20 $4,598
30 $2,750
40 $2,704
50 $2,586
60 $2,564

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.

SR-22 Surcharge $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $60
Online Quote $87
Total Discounts $519
Rate after discounts $729

Discounts are estimated and may not be available from every company or in every state.

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