Cadillac ATS Insurance Rates
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UPDATED: Mar 30, 2024
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The average auto insurance rates for a Cadillac ATS are $1,248 annually including full coverage. Comprehensive insurance costs approximately $230 a year, collision insurance costs $400, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs $2,704 or more. Teenage drivers cost the most to insure at up to $4,836 a year.
Average premium for full coverage: $1,248
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and ATS trim levels.
Price Range Variability
For a 40-year-old driver, Cadillac ATS insurance rates range from as cheap as $510 for minimum levels of liability insurance to a high of $2,704 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.
The examples above highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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 Details
The chart below breaks down average Cadillac ATS insurance rates for additional coverage and risk scenarios.
- The best discount rate is $729
- Choosing higher $1,000 deductibles can save $1,104 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,248
- Using low $100 deductibles for comp and collision coverage costs an additional $276 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $2,704
- Policy cost with full coverage for a 16-year-old driver can cost $4,836 each year
Insurance rates for a Cadillac ATS also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $420 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac ATS insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,780 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Buy Affordable Cadillac ATS Insurance
Finding cheaper rates on insurance for a Cadillac ATS takes being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a brief review of the coverage data illustrated above.
- You may be able to save around $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Teen drivers are expensive to insure, with premiums being up to $403 each month including comprehensive and collision insurance
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,460 more per year to insure their ATS
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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