Cadillac ATS Insurance Rates

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Karen Condor

Insurance and Finance Writer

Karen Condor is an insurance and finance writer who has degrees in both journalism and communications. She began her career as a reporter covering local and state affairs. Her extensive experience includes management positions in newspapers, magazines, newsletters, and online marketing content. She has utilized her researching, writing, and communications talents in the areas of human resources...

Insurance and Finance Writer

UPDATED: Jun 6, 2023

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U.S. average insurance prices for a Cadillac ATS are $1,300 every 12 months including full coverage. Comprehensive costs around $240, collision insurance costs $446, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $2,826. 16-year-old drivers pay the highest rates at up to $5,010 a year.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

Comprehensive $240
Collision $446
Liability $456

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different ATS trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Cadillac ATS insurance prices range from the cheapest price of $508 for just the minimum liability insurance to a much higher rate of $2,826 for high-risk insurance.

Liability Only $508
Full Coverage $1,300
High Risk $2,826

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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.

Additional Rate Analysis

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

  • The best full coverage rate is $752
  • Raising to $1,000 deductibles will save about $156 every year
  • The average price for the average middle-age driver using $500 deductibles is $1,300
  • Buying more expensive low deductibles increases the price to $1,604
  • Drivers with multiple tickets or accidents could pay at least $2,826
  • The price to insure a 16-year-old driver with full coverage can be $5,010

View Chart as Image

Cadillac ATS insurance cost comparison chart
Column chart showing Cadillac ATS insurance rates range from $752 to $5,010 for full coverage

Auto insurance prices for a Cadillac ATS are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $460 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 137% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Cadillac ATS insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,860 on average in Michigan, New York, and Louisiana.

Cadillac ATS Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$124 -9.5%
Alaska $998 -$302 -23.2%
Arizona $1,078 -$222 -17.1%
Arkansas $1,300 -$0 0.0%
California $1,482 $182 14.0%
Colorado $1,242 -$58 -4.5%
Connecticut $1,336 $36 2.8%
Delaware $1,472 $172 13.2%
Florida $1,628 $328 25.2%
Georgia $1,200 -$100 -7.7%
Hawaii $934 -$366 -28.2%
Idaho $878 -$422 -32.5%
Illinois $968 -$332 -25.5%
Indiana $978 -$322 -24.8%
Iowa $878 -$422 -32.5%
Kansas $1,236 -$64 -4.9%
Kentucky $1,774 $474 36.5%
Louisiana $1,924 $624 48.0%
Maine $804 -$496 -38.2%
Maryland $1,072 -$228 -17.5%
Massachusetts $1,040 -$260 -20.0%
Michigan $2,260 $960 73.8%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,556 $256 19.7%
Missouri $1,152 -$148 -11.4%
Montana $1,398 $98 7.5%
Nebraska $1,024 -$276 -21.2%
Nevada $1,558 $258 19.8%
New Hampshire $936 -$364 -28.0%
New Jersey $1,454 $154 11.8%
New Mexico $1,152 -$148 -11.4%
New York $1,370 $70 5.4%
North Carolina $750 -$550 -42.3%
North Dakota $1,064 -$236 -18.2%
Ohio $898 -$402 -30.9%
Oklahoma $1,336 $36 2.8%
Oregon $1,192 -$108 -8.3%
Pennsylvania $1,240 -$60 -4.6%
Rhode Island $1,736 $436 33.5%
South Carolina $1,176 -$124 -9.5%
South Dakota $1,096 -$204 -15.7%
Tennessee $1,138 -$162 -12.5%
Texas $1,566 $266 20.5%
Utah $964 -$336 -25.8%
Vermont $892 -$408 -31.4%
Virginia $780 -$520 -40.0%
Washington $1,004 -$296 -22.8%
West Virginia $1,192 -$108 -8.3%
Wisconsin $902 -$398 -30.6%
Wyoming $1,160 -$140 -10.8%

View Chart as Image

Cadillac ATS insurance rates by U.S. city
Cadillac ATS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Cadillac ATS $240 $446 $456 $1,300
2015 Cadillac ATS $230 $400 $460 $1,248
2013 Cadillac ATS $206 $346 $464 $1,174

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 Shop for Affordable Cadillac ATS Insurance

Getting lower rates on insurance for a Cadillac ATS consists of being a low-risk driver, having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief review of the material that was raised in the charts and tables above.

  • Insureds who may need more liability coverage will pay around $500 per year to raise from a low limit to a 250/500 level
  • Teen drivers are expensive to insure, possibly costing $418 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,530 more every year to insure their ATS
  • Increasing physical damage deductibles could save as much as $450 each year

Rates by Driver Age

Cadillac ATS Insurance Rates by Driver Age
Driver Age Premium
16 $5,010
20 $3,016
30 $1,344
40 $1,300
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Cadillac ATS Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,604
$250 $1,462
$500 $1,300
$1,000 $1,144

Full coverage, driver age 40

Rates by Liability Limit

Cadillac ATS Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,391
100/300 $1,505
250/500 $1,802
100 CSL $1,437
300 CSL $1,688
500 CSL $1,870

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac ATS Insurance Rates for High Risk Drivers
Age Premium
16 $7,128
20 $4,808
30 $2,874
40 $2,826
50 $2,702
60 $2,678

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $63
Online Quote $91
Total Discounts $548
Rate after discounts $752

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

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