Cadillac ATS Coupe Insurance Rates
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UPDATED: May 18, 2024
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Estimated insurance prices for a Cadillac ATS Coupe are $1,434 every 12 months with full coverage. Comprehensive insurance costs an estimated $280, collision insurance costs $540, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,122 or more. 16-year-old drivers pay the most at up to $5,438 a year.
Average premium for full coverage: $1,434
Premium estimates broken down by type of coverage:
Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all ATS Coupe models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Cadillac ATS Coupe range from the cheapest price of $508 for liability-only coverage to the much higher price of $3,122 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why everyone should get quotes for a targeted area 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 Charts and Tables
The chart below details average Cadillac ATS Coupe insurance rates for other coverage scenarios.
- The best full coverage rate is $819
- Choosing higher $1,000 deductibles can save approximately $186 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,434
- Buying pricier low deductibles for comp and collision coverage costs an extra $364 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,122
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $5,438 each year
Insurance prices for a Cadillac ATS Coupe also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $550 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. Cadillac ATS Coupe insurance for high-risk drivers ranges from 44% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Cadillac ATS Coupe insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or at least $1,940 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,298 | -$136 | -9.5% |
| Alaska | $1,100 | -$334 | -23.3% |
| Arizona | $1,190 | -$244 | -17.0% |
| Arkansas | $1,434 | -$0 | 0.0% |
| California | $1,636 | $202 | 14.1% |
| Colorado | $1,372 | -$62 | -4.3% |
| Connecticut | $1,476 | $42 | 2.9% |
| Delaware | $1,624 | $190 | 13.2% |
| Florida | $1,796 | $362 | 25.2% |
| Georgia | $1,324 | -$110 | -7.7% |
| Hawaii | $1,032 | -$402 | -28.0% |
| Idaho | $970 | -$464 | -32.4% |
| Illinois | $1,068 | -$366 | -25.5% |
| Indiana | $1,082 | -$352 | -24.5% |
| Iowa | $968 | -$466 | -32.5% |
| Kansas | $1,364 | -$70 | -4.9% |
| Kentucky | $1,958 | $524 | 36.5% |
| Louisiana | $2,122 | $688 | 48.0% |
| Maine | $886 | -$548 | -38.2% |
| Maryland | $1,184 | -$250 | -17.4% |
| Massachusetts | $1,148 | -$286 | -19.9% |
| Michigan | $2,492 | $1,058 | 73.8% |
| Minnesota | $1,200 | -$234 | -16.3% |
| Mississippi | $1,720 | $286 | 19.9% |
| Missouri | $1,272 | -$162 | -11.3% |
| Montana | $1,542 | $108 | 7.5% |
| Nebraska | $1,130 | -$304 | -21.2% |
| Nevada | $1,720 | $286 | 19.9% |
| New Hampshire | $1,034 | -$400 | -27.9% |
| New Jersey | $1,602 | $168 | 11.7% |
| New Mexico | $1,270 | -$164 | -11.4% |
| New York | $1,510 | $76 | 5.3% |
| North Carolina | $828 | -$606 | -42.3% |
| North Dakota | $1,174 | -$260 | -18.1% |
| Ohio | $990 | -$444 | -31.0% |
| Oklahoma | $1,474 | $40 | 2.8% |
| Oregon | $1,314 | -$120 | -8.4% |
| Pennsylvania | $1,370 | -$64 | -4.5% |
| Rhode Island | $1,914 | $480 | 33.5% |
| South Carolina | $1,300 | -$134 | -9.3% |
| South Dakota | $1,210 | -$224 | -15.6% |
| Tennessee | $1,256 | -$178 | -12.4% |
| Texas | $1,728 | $294 | 20.5% |
| Utah | $1,064 | -$370 | -25.8% |
| Vermont | $984 | -$450 | -31.4% |
| Virginia | $860 | -$574 | -40.0% |
| Washington | $1,110 | -$324 | -22.6% |
| West Virginia | $1,314 | -$120 | -8.4% |
| Wisconsin | $994 | -$440 | -30.7% |
| Wyoming | $1,280 | -$154 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac ATS Coupe | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac ATS Coupe | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac ATS Coupe | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac ATS Coupe | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac ATS Coupe | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac ATS Coupe | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac ATS Coupe | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac ATS Coupe | $280 | $540 | $456 | $1,434 |
| 2015 Cadillac ATS Coupe | $250 | $446 | $460 | $1,314 |
Rates are averaged for all Cadillac ATS Coupe 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 Cheaper Cadillac ATS Coupe Insurance
Finding better rates on insurance for a Cadillac ATS Coupe takes being a safe and courteous driver, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
Below is a condensed summary of the information presented in the illustrations above.
- You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
- Teenage drivers are charged the highest prices, possibly costing $453 per month if they have full coverage
- Increasing policy deductibles could save as much as $550 each year
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,690 more annually for auto insurance
- Insureds who want higher levels of liability will pay around $500 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,332 |
| 30 | $1,492 |
| 40 | $1,434 |
| 50 | $1,312 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,798 |
| $250 | $1,628 |
| $500 | $1,434 |
| $1,000 | $1,248 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,434 |
| 50/100 | $1,525 |
| 100/300 | $1,639 |
| 250/500 | $1,936 |
| 100 CSL | $1,571 |
| 300 CSL | $1,822 |
| 500 CSL | $2,004 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,760 |
| 20 | $5,312 |
| 30 | $3,184 |
| 40 | $3,122 |
| 50 | $2,984 |
| 60 | $2,958 |
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 | $77 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $65 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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