Cadillac ATS Insurance Rates
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UPDATED: Mar 30, 2024
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Average insurance rates for a Cadillac ATS are $1,248 a year for full coverage insurance. Comprehensive insurance costs on average $230, collision costs $400, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,704 or more. 16-year-old drivers receive the highest rates at $4,836 a year or more.
Average premium for full coverage: $1,248
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all ATS models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $510 for basic liability insurance to the much higher price of $2,704 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
These examples illustrate why everyone should compare prices based on a specific location and risk profile, rather than using 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.
Rate Comparisons
The chart below illustrates estimated Cadillac ATS insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $729
- Using higher $1,000 deductibles will save around $144 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,248
- Buying pricier low deductibles for physical damage coverage will cost an extra $276 each year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,704 or more
- The cost for full coverage for a teenage driver for full coverage may cost $4,836 or more
Car insurance rates for a Cadillac ATS can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age
Where you live has a huge impact on Cadillac ATS insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,690 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $420 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Cadillac ATS insurance for high-risk drivers can be around 43% to 134% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS | $322 | $594 | $372 | $1,446 |
| 2023 Cadillac ATS | $306 | $570 | $390 | $1,424 |
| 2022 Cadillac ATS | $294 | $566 | $398 | $1,416 |
| 2021 Cadillac ATS | $284 | $552 | $416 | $1,410 |
| 2020 Cadillac ATS | $274 | $530 | $430 | $1,392 |
| 2019 Cadillac ATS | $260 | $512 | $442 | $1,372 |
| 2018 Cadillac ATS | $250 | $474 | $452 | $1,334 |
| 2017 Cadillac ATS | $240 | $446 | $456 | $1,300 |
| 2016 Cadillac ATS | $230 | $400 | $460 | $1,248 |
| 2015 Cadillac ATS | $214 | $368 | $460 | $1,200 |
| 2014 Cadillac ATS | $206 | $346 | $464 | $1,174 |
| 2013 Cadillac ATS | $202 | $322 | $474 | $1,156 |
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 Affordable Cadillac ATS Insurance
Saving money on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The list below is a brief review of the primary concepts that were covered in the charts and tables above.
- It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Drivers with DUI or reckless driving convictions pay an average of $1,460 more each year for car insurance
- Increasing deductibles can save around $425 each year
- Teenagers are expensive to insure, costing up to $403 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,524 |
| $250 | $1,396 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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