Cadillac ATS Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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Average insurance rates for a Cadillac ATS are $1,248 a year with full coverage. Comprehensive insurance costs an estimated $230 a year, collision costs $400, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,704 or more. Teen drivers receive the highest rates at $4,836 a year or more.
Average premium for full coverage: $1,248
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and ATS trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $510 for just liability coverage to a high of $2,704 for a high-risk driver policy.
Price Range by Location
Where you live can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
These examples demonstrate why it is important to compare prices for a targeted area and risk profile, instead of using price 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.
Detailed Rate Analysis
The chart below details estimated Cadillac ATS insurance rates for other coverage scenarios.
- The lowest rate with discounts is $729
- Using higher $1,000 deductibles will save approximately $1,104 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,248
- Choosing low $100 deductibles for physical damage coverage will cost an extra $276 every year
- Drivers with multiple violations and an at-fault accident could pay up to $2,704 or more
- The cost for full coverage for a teen driver can cost as much as $4,836 or more
Insurance rates for a Cadillac ATS can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age
Where you live has a huge impact on Cadillac ATS insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, 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% |
Choosing high deductibles could cut rates by as much as $420 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 134% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.
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 Affordable Cadillac ATS Insurance
Saving money on car insurance requires having a good driving record, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates every time your policy renews by quoting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a brief review of the information touched on in this article.
- You may be able to save approximately $150 per year simply by quoting early and online
- Drivers age 20 and younger are charged the highest rates, with premiums as much as $403 per month for full coverage
- Increasing deductibles can save around $425 each year
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,460 more annually to buy Cadillac ATS insurance
- Policyholders who want increased levels of liability coverage will pay about $510 every year to increase from a minimum limit to 250/500 limits
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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